CN100492420C - Optical payment emitter - Google Patents
Optical payment emitter Download PDFInfo
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- CN100492420C CN100492420C CNB2005100689528A CN200510068952A CN100492420C CN 100492420 C CN100492420 C CN 100492420C CN B2005100689528 A CNB2005100689528 A CN B2005100689528A CN 200510068952 A CN200510068952 A CN 200510068952A CN 100492420 C CN100492420 C CN 100492420C
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Abstract
An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for settlement. Here, card information is incorporated in a personal portable terminal incorporated with an optical transceiver such as a portable phone or a PDA and the optical transceiver is connected to a card inquiry machine to thereby optically transmit and receive card information. The card inquiry machine recognizes the received card information in the same manner as that of the card reader reading a magnetic card, and transmits the card information to a VAN company server or a card company server, to then request for an approval and settle transactions. The present invention is applied to most fields where financial transactions are performed as in general commerce, a toll gate fee or tunnel passage fee collection system, a subway or bus fare levying system, a gas station, a department store, a drive-thru ordering system, a vending machine, and a fee payment system of kiosks. Also, the present invention can be applied to an entrance/exit security system requiring personal identification. Thus, the present invention can use a portable terminal as a payment unit without carrying a cash or cards, to thereby provide an effect of performing a safer and more reliable credit transaction.
Description
The application is that submission on March 16 calendar year 2001, application number are that 01809631.X, name are called dividing an application of " optics payment transceiver and application system thereof ".
Technical field
The present invention relates to optics payment transceiver and use its optics settlement system, the invention particularly relates to the system that brings in the expense of the various transaction of clearing by portable terminal, wherein payment information comprises on the portable terminal that optics payment transceiver is installed thereon.
Background technology
Recently, easy to use and various cards that be convenient for carrying have obtained being applied even more extensively than cash.According to the mode of clearing, these cards are classified as credit card, cash card, direct payment card, prepaid card, transportation card etc.For example, in conventional store or the normal bill of using various cards to settle accounts the purchase commodity of department store back warp.Simultaneously, these cards also are used to pay the expense of refueling or having a meal at the restaurant in the refuelling station.Recently, card is used to the traffic paying of taxi, subway or motorbus.In addition, card is used for e-commerce transaction or ATM (Automatic Teller Machine) (ATM)/CD.Equally, continue increase and block the clearing project to dissimilate in card joint operation department store.Yet these cards still are not effectively applied to charge station (toll gate), tunnel path, automatic vending machine and self-serving Self-Service station (kiosk).
Fig. 1 has illustrated general credit card payment system, and it is illustrated in the payout status of buying commodity in the shop.
In Fig. 1, the buyer gives sellers with his or she credit card 11.Credit card 11 is the magnetic cards that are carved with intrinsic number and address name.Sellers insert the magnetic card reader of credit card inquisitor 12 with credit card, make to identify credit card information through magnetic card reader.Then, credit card inquisitor 12 is sent to VAN (value-added network) corporate server 13 with the credit card information of identification, therefore, sends the request of approval.Credit card inquisitor 12 is connected through special-purpose circuit with VAN corporate server 13.VAN corporate server 13 blocks corporate server 14 accordingly according to the confirmation request that ratifies a motion that receives.The card corporate server 14 that receives the approval application from VAN corporate server 13 confirms whether corresponding credit card is put on the blacklist, cardholder's financial status how, the credit line of credit card how or the like, the result that will ratify is sent to VAN corporate server 13 then.The VAN corporate server 13 that receives result of approval from card corporate server 14 is given announcement of approval status information the credit card inquisitor 12 that receives the department store of ratifying application at first.The sellers in department store confirm the result that ratifies and subsequently with the announcement of approval status information buyer who confirms.Be under the normal situation according to result of approval proof credit card, sellers give bill of sale of buyer and accept buyer's signature subsequently.Therefore, finish the payment and settlement that uses this credit card.
Fig. 2 illustrates the credit card payment system in the general ecommerce, it comprises provides the shopping online of product or service square (cyber shopping mall) system 23, and the client terminal 22 that enters shopping square system 23 in order to buy commodity or service through the Internet.The credit card payment system also comprises payment gateway corporate server 24, VAN corporate server 25 and card corporate server 26, and they relate to the payment for product such as commodity or service.
In Fig. 2, the client utilizes computing machine (being the terminal 22 of the Internet accessible) visit shopping online square system 23, so that finish shopping.If the client finds the commodity of wishing purchase, he or she sends purchase intention to shopping square system 23.The client imports the information of the credit card 21 that has, i.e. customer name, card number sign indicating number, password, date of expiration etc. on the screen that shopping square system 23 provides.The card information that shopping square system 23 provides the client is sent to payment gateway corporate server 24.Payment gateway corporate server 24 requests for permission transfer card information to card corporate server 26 or VAN corporate server 25, confirm the result of approval then, and the result that will ratify is sent to the shopping square system 23 that produces transaction.Carried out normal settlement process from payment gateway corporate server 24 if shopping square system 23 is notified, then the commodity that respective client is bought offer the user to finish transaction.
Simultaneously, electronic money is used as new means of payment except cash or card.Electronic money can be classified as network type electronic money, IC-card type electronic money and use the small amount electronic money of telephone number.The network type electronic money adopts in network and stores the method for actual monetary value in a special database, and transmits the value that requires in the time of needs online, and it can not be used for off-line state.As an example, IC-card type electronic money is represented with the Mondex card.After handling the department store registration with respect to corresponding electronic money, when buying goods or service on the Internet, use the small amount electronic money of telephone number to adopt input telephone number (as cellular phone number) to replace the method for payment information (as credit card information), therefore make the telephone number importer can buy commodity or service that he or she wishes, and institute's cost is logged in the next month his or her telephone charge usefulness bill.
Summary of the invention
In addition, above-mentioned credit card holder must always be held it so that defrayment.If credit card is lost, it may be used inadequately.Simultaneously, the personal credit information of credit card holder may be exposed inadequately through the use of credit card.Simultaneously, when credit card handed over to sellers and is used for the inquiry of credit card, credit card may easily be duplicated illegally.For this reason, the controversial issue between card holder and the Ka company often takes place.Yet all responsibilities are all born by the card holder.
Simultaneously, be under the situation of magnetic card at credit card, this credit card may easily be read by unwarranted individual, and owing to carelessness is used and handled and is damaged.Simultaneously, because need to determine use active data, so even should reissue new credit card in per 3 years or 5 years for member with normal financial status.Therefore, commercial cost has increased.Simultaneously, cartoon often is retained in the leather wallet.Like this, under the situation that card is lost, up to reusing card or finding that leather wallet lost Shi Caineng and recognized that card loses.Like this, owing to stealing or losing, make that illegal use is more serious.In addition, because existing magnetic card can only comprise a spot of information, it can not be used for different applications.In addition because as the card distribution responsibility of going into each card of badge, safety card, service card etc. be different, the individual who wishes to accept the difference service that different cards distribution management organization provides must have several cards.
Simultaneously, the quantity of card increases and the frequent card that uses because have, and losing or often stealing of card takes place, and it has increased the burden that credit card is suspended trading.Simultaneously, if owing to there is not the payment card transaction amount, the card holder is registered as relatively poor financial status, needs to suspend this card transaction.In order to suspend the transaction of this card, the card corporate server is keeping blacklist (B/L) information with respect to relatively poor financial status card, and if receive the request of card trading approving from card transaction department store, check that card is concluded the business whether should be suspended.In addition, card reader in motorbus or the installation of subway porch is downloaded B/L information by circuit from the card corporate server, and in motorbus or subway, use during the card, the card information of input is compared with the B/L information of storage, check thus whether this card is put on the blacklist.
Yet the difficulty of card trading halt method is will store a large amount of information in each card corporate server or card reader above, and this system that makes is difficult to operation.In addition, along with the increase of wanting processed quantity of information, check that the time of B/L card becomes longer, like this, the reaction time of card corporate server or card reader becomes a little later, because relatively poor service, this may cause complaint or dissatisfied.
For solving top problem, one of the object of the invention provides a card issuance system, make the card applicant can use mancarried device card as an alternative, wherein, card information is input in the mancarried device, as wireless communication terminal, comprise cellular phone, PCS, portable mobile phone, PDA, IMT-2000 device etc., rather than card information is input to magnetic card.
Another object of the present invention provides a kind of new settlement system, be used for optical mode transmit and receiving card information with the defrayment and the payment of closing the account.
Another object of the present invention provides a kind of settlement system, and the optical transmitter that wherein comprises card information is rented, and the bill of all purchase volumes can be settled accounts.
Another object of the present invention provides a kind of card information and receives unit equipment, be used for the credit card inquisitor, it receives the card information that transmits with optical mode, therefore finish the transaction of success, wherein, existing credit card inquisitor is used same as before, needn't buy the credit card inquisitor that is connected with the optical receiver that receives optics transfer card information.
Another object of the present invention provides an identification system, to strengthen the reliability of the user's discriminating in the above-mentioned settlement system.
Another object of the present invention provides a kind of mancarried device, and it has bigger information storage capacity, therefore provides various services, is not limited to bank paying or financial transaction.
Another object of the present invention provides a kind of mancarried device, comprises the information of different cards, has therefore strengthened user friendliness, and wherein the user holds single mancarried device rather than a plurality of card.
Another purpose of the present invention provides a kind of optics payment transceiver, and it is made and is easy to hand, and comprises payment information, and according to the operation of user button, transmits the payment information of storage by infrared communication, thereby safely payment is settled accounts.
According to the present invention, a kind of optics payment transmitter is provided, use at the optical transmitting and receiving letter machine equipment that is used for paying, this optics payment transmitter comprises: storer, wherein store subscriber card information; Optical transmitting and receiving letter machine is used for sending and receiving card information with optical mode; Control knob is used to control the optics delivery operation, and described button has the wholesale monetary settlement button that is used to send card information and need not inputs the petty cash settlement button of password and be used to send password and card information; Controller is used for according to the user button operation, sends card information so that finish clearing with optical mode; And the display of display optical delivery operation state, wherein, this optics payment transmitter is constructed to Miniature Portable Unit.
Description of drawings
With reference to accompanying drawing, by describing their preferred embodiment in detail, top purpose of the present invention and other advantage will become more obvious, wherein:
Fig. 1 has illustrated general credit card payment system;
Fig. 2 has illustrated a kind of credit card payment system in the general ecommerce;
Fig. 3 has schematically illustrated optics settlement system of the present invention;
Fig. 4 has illustrated the card issuance system of the embodiment of the invention;
Fig. 5 is the process flow diagram that is used for the card distribution operation of key drawing 4 systems;
Fig. 6 has illustrated the card issuance system of another embodiment of the present invention;
Fig. 7 is the process flow diagram that is used for the card distribution operation of key drawing 6 systems;
Fig. 8 is the block scheme of optics payment unit of the present invention;
Fig. 9 illustrates the schematic appearance of the optics payment unit of making the portable phone shape;
Figure 10 is the block scheme that is made into the optics payment unit of key chain shape;
Figure 11 illustrates the embodiment of portable terminal electric battery, comprises according to optical transmitting and receiving letter machine of the present invention;
Figure 12 is the block scheme that is included in light transfer circuit in the electric battery;
Figure 13 A is the front end backplan of connection status between optical transmitting and receiving letter machine transplanting of rice head unit and the portable phone unit;
Figure 13 B is the rear view of connection status between optical transmitting and receiving letter machine transplanting of rice head unit and the portable phone unit;
Figure 14 is the detailed configuration figure of optical transmitting and receiving letter machine transplanting of rice head unit;
Figure 15 A is the block scheme of credit card inquisitor of the integrated optical receiver of the embodiment of the invention;
Figure 15 B be Figure 15 A integrated the outside drawing of credit card inquisitor of optical receiver;
Figure 16 is the credit card inquisitor block scheme that optical receiver is installed in the outside of another embodiment of the present invention, and wherein optical receiver is connected to the credit card inquisitor by cable;
Figure 17 A is the block scheme of adapter in the credit card inquisitor of another embodiment of the present invention;
Figure 17 B is the block scheme of the magnetic interface card of Figure 17 A;
Figure 17 C is the adapter of Figure 17 A and the connection status between the credit card inquisitor;
Figure 18 A is the block scheme that has the adapter of card reader in the credit card inquisitor of another embodiment of the present invention;
Figure 18 B is the adapter of Figure 18 A and the connection status between the credit card inquisitor;
Figure 19 A is the block scheme that the present invention moves optical repeater;
Figure 19 B is the block scheme that the present invention moves the optical repeater basic device;
Figure 19 C is the connection status of the mobile optical repeater of Figure 19 A;
Figure 19 D is the connection status of the mobile optical repeater basic device of Figure 19 B;
Figure 20 A illustrates clamp type (clip-type) optical repeater respectively to Figure 20 D;
Figure 21 illustrates the optical repeater basic device of type of adapter;
Figure 22 is the block scheme that is used to explain the card information encryption method according to the present invention;
Figure 23 A illustrates the structure of some kinds of payment informations of storage respectively to Figure 23 C;
Figure 24 illustrates the communication process between the optics payment transceiver;
Figure 25 and Figure 26 A and 26B illustrate the communications protocol of the settlement method of the employing optics payment that is applied to according to the present invention respectively;
Figure 27 is the process flow diagram that is used for explaining according to the safe Enhancement Method of settlement system of the present invention, and this system uses the card information that is contained in portable terminal;
Figure 28 is to use the arrangement plan of the business system of optics payment transceiver of the present invention;
Figure 29 is the process flow diagram that is used for explaining the operation of settling accounts about the general commerce system light of Figure 28;
Figure 30 is used to explain that settlement system at Figure 28 is applied to the process flow diagram of the operation under the situation in sales counter compute type restaurant;
Figure 31 has adopted the schematic diagram of use telephone number as the settlement system of the optics payment of ID (identifier);
Figure 32 has adopted the synoptic diagram of use telephone number as the data stream of the settlement system of the optics payment of ID (identifier);
Figure 33 is the arrangement plan that adopts charge station's charge settlement system of optics payment and settlement system of the present invention;
Figure 34 is the operational flowchart that is used to explain about through charge station's charge clearing of the vehicle of charge station's inlet;
Figure 35 is the operational flowchart that is used to explain about through charge station's charge clearing of the vehicle of charge station's outlet;
Figure 36 is the arrangement plan that the speed of driving of employing optics payment and settlement system of the present invention is purchased shop (drive-thru) order system;
Figure 37 is the arrangement plan of optics payment and settlement system in Figure 36 system;
Figure 38 illustrates the show state about subscription details display board in Figure 36 system;
Figure 39 is the process flow diagram that is used for explaining Figure 36 system order/settlement operations;
Figure 40 is the arrangement plan that adopts refuelling station's Fare Collection System of optics payment and settlement system of the present invention;
Figure 41 is a process flow diagram of explaining settlement operations in refuelling station's Fare Collection System of Figure 40;
Figure 42 is the arrangement plan that adopts the department store settlement system of optics payment and settlement system of the present invention;
Figure 43 is the arrangement plan that adopts the unattended automatically vending system of optics payment and settlement system of the present invention;
Figure 44 is the more detailed block diagram of the automatically vending system of Figure 43;
Figure 45 is the process flow diagram that is used for explaining the unattended automatically vending system payment and settlement operation of Figure 43;
Figure 46 is the arrangement plan that adopts the Self-Service station charging system of optics payment and settlement system of the present invention;
Figure 47 is the more detailed block diagram of the Self-Service station charging system of Figure 46;
Figure 48 is the process flow diagram of operation for paying the fee that is used to explain the charging system of Figure 46;
Figure 49 A is the block scheme that has adopted the automatically vending system of the mobile gathering-device that uses PDA;
Figure 49 B illustrates the example that is applied to the PDA in Figure 49 A system;
Figure 50 A is to use the block scheme of the mobile gathering-device of memory set;
Figure 50 B illustrates the connection status of the memory set of Figure 50 A;
Figure 51 A is the block scheme that adopts the automatically vending system of power line modem coupling arrangement;
Figure 51 B is illustrated in the buildings connection status of applied automatic vending machine in Figure 51 A system;
The block scheme of the transmission terminal of Figure 52 A is integrated mobile communication modulator-demodular unit;
Figure 52 B illustrates the transmission terminal appearance of integrated Figure 52 A mobile communication modulator-demodular unit;
Figure 53 A is the block scheme that adopts the automatically vending system of portable phone coupling arrangement;
Figure 53 B illustrates the example that portable phone is connected to vending system;
But Figure 54 A is the block scheme of the Internet access device;
Figure 54 B illustrates the outside connection status with respect to PC;
But Figure 55 A is the block scheme of dialing VAN access device;
But Figure 55 B illustrates the outside connection status of Figure 55 A dialing VAN access device;
Figure 56 is the arrangement plan that adopts the motorbus/taxi automatic fare collection system of optics payment and settlement system of the present invention;
Figure 57 is the more detailed block diagram that is used for the RF terminal of motorbus charge;
Figure 58 is the arrangement plan that adopts the subway automatic fare collection system of optics payment and settlement system of the present invention;
Figure 59 is the more detailed block diagram that is used for the RF terminal of subway charge;
Figure 60 is to use the schematic diagram of telephone number as the optics payment batch processing settlement system of ID;
Figure 61 is the arrangement plan that adopts the e-commerce system embodiment of optics payment and settlement system of the present invention;
Figure 62 is the process flow diagram that is used for explaining Figure 61 e-commerce system settlement operations;
Figure 63 is the arrangement plan of another embodiment that adopts the e-commerce system of optics payment and settlement system of the present invention;
Figure 64 is the process flow diagram that is used for explaining Figure 63 e-commerce system settlement operations;
Figure 65 is that the e-commerce system at Figure 61 is applied to the process flow diagram under the situation in department store;
Figure 66 is the synoptic diagram that is used to explain according to identification system of the present invention;
Figure 67 A and Figure 67 B are respectively applied for the synoptic diagram of explaining the initial processing of registered user's face data in portable terminal;
Figure 68 A is used for explaining that the portable terminal user who comprises face data differentiates the synoptic diagram of processing;
Figure 68 B is used for explaining that the portable terminal user who comprises face data differentiates the process flow diagram of processing;
Figure 69 illustrates the card information that is provided with in the optics payment and settlement system of the present invention and changes service system;
Figure 70 is the process flow diagram that card information changes service system in Figure 69, and this card information changes service system and is arranged in the optics payment and settlement system of the present invention;
Figure 71 illustrates card trading halt of the present invention system;
Figure 72 is the process flow diagram that is used for explaining the card B/L of Figure 71 system register method;
Figure 73 is the process flow diagram that is used for explaining Figure 71 system card trading halt method;
Figure 74 is that the card that is provided with in optics payment and settlement system of the present invention is lost the arrangement plan of service system;
Figure 75 is used to explain that Figure 74 blocks the process flow diagram of the operation of losing service system;
Figure 76 is shown specifically the arrangement plan of the use wireless transmission system that is provided with in the optics payment and settlement system of the present invention;
Figure 77 is used for explaining in detail that Figure 76 uses the operational flowchart of wireless transmission system;
Figure 78 is to use the present invention to rent the settlement system block scheme of type optical payment unit;
Figure 79 is the process flow diagram of renting processing that is used to explain optical transmitter;
Figure 80 is the process flow diagram that is used for explaining the settlement process of Figure 78 system;
Figure 81 is the process flow diagram that returns processing that is used to explain optical transmitter;
Figure 82 is the process flow diagram that is used to explain the irrevocable processing of optical transmitter;
Figure 83 is to use optical transmitting and receiving letter machine inlet/outlet security system arrangement plan of the present invention;
Figure 84 and Figure 85 are respectively the process flow diagrams that is used for explaining Figure 83 system inlet/outlet control and treatment;
Figure 86 is the arrangement plan that instantaneous value of the present invention can transmit electronic-monetary system;
Figure 87 is illustrated in the configuration of display screen when extracting electronic money among the ATM;
Figure 88 is used for explaining the process flow diagram of operating when ATM extracts electronic money;
Figure 89 is illustrated in the configuration of display screen when exchanging electronic money between the portable terminal;
Figure 90 is used to explain the process flow diagram of operating when exchanging electronic money between portable terminal;
Figure 91 is illustrated in the configuration of display screen under the electronic money payment situation of using portable terminal; And
Figure 92 is used to explain the process flow diagram of operating under the electronic money payment situation of using portable terminal.
Realize best mode of the present invention
In order to reach above-mentioned purpose of the present invention, a kind of card issuing method is provided, comprise following step: (a) receiving card issue and apply; (b) check the distribution qualification according to the card issue and apply that receives; (c) if satisfy distribution qualification, then encrypted card information; (d) card information of encrypting is sent to the portable terminal of applicant's appointment, so that be stored in wherein; And if the card information of (e) encrypting storage fully, the portable terminal of checking normal mode of operation and approval storage card information is as the card that substitutes.
In order to reach above-mentioned purpose of the present invention, a kind of card issuance system also is provided, comprise: the card corporate server, the receiving card issue and apply, check distribution qualification, if satisfy the distribution qualification then encrypted card information, and encrypted card information and the card information of encrypting is sent to the portable terminal of applicant's appointment; And described portable terminal, receive and store the card information that is transmitted, and the card information that receives is presented on the screen, so that announcement card issue and apply people: card is issued.
In order to reach above-mentioned purpose of the present invention, also provide an optical transmitting and receiving that is used for defrayment to believe the optics payment transmitter that machine equipment uses, optics payment transmitter comprises: the storer of storage subscriber card information; Be used for optical transmitting and receiving letter machine with optical mode transmission and receiving card information; Be used to control the button of optics delivery operation; Be used for operating with optical mode transfer card information so that finish the controller of clearing according to user button; And the display of display optical delivery operation state, wherein optics payment transmitter is constructed to a Miniature Portable Unit.
In order to reach the above-mentioned purpose of the present invention, an optics payment receiver that uses in the credit card inquisitor also is provided, be used to receive the card information that transmits from portable terminal and finish settlement operations, optics payment receiver comprises; Light receiving unit is used for receiving card information and finishes clearing as light signal and according to the card information that receives.
In order to reach the above-mentioned purpose of the present invention, an optics payment system of using light signal to pay also is provided, the optics payment system comprises: mobile optical repeater, be used to receive the light signal that comprises card information from user terminal, the corresponding card information of interim storage, and the card information of output storage is once; And the optical relay basic device, be used to receive from the card information of mobile optical repeater and with the card information that receives and be sent to the credit card inquisitor.
In order to reach the above-mentioned purpose of the present invention, an optics settlement system of using in business system also is provided, the optics settlement system comprises: be used for the optics payment transmitter with optical mode transfer card information; And the optics payment receiver that is used for receiving the card information that transmits with optical mode; Be used to transmit the card information of reception and the credit card inquisitor of requests transaction approval; And the settlement management server, be used for according to ratifying a motion announcement of approval status information of receiving to the credit card inquisitor.
With reference to the accompanying drawings, the preferred embodiments of the present invention are described in more detail.
Fig. 3 schematically illustrates optics payment and settlement system of the present invention, and it comprises card issuance system and card business settlement system.The card issue terminal of card issuance system by optical transmitting and receiving letter machine being connected to card company to data carry out light transmission and method of reseptance, in the electric battery of portable terminal input card information method or by wired or wireless network card information is downloaded to the method for portable terminal, come issuing card according to the method that credit card information is input to card applicant's portable terminal.Card issuance system comprises the card company 36 of card issue and apply people 31, issuing card and uses said method the card information of distribution to be sent to the repeater 37 of the portable terminal that applicant 31 has.Certainly, card company 36 can directly finish the effect of repeater 37.Between repeater 37 and applicant 31, connecting the portable terminal communication network 38 of predetermined mobile communication company, so that card information is sent to the portable terminal that applicant 31 has by radio frequency (RF) transmission and method of reseptance.Between card company 36 and repeater 37, connecting telephone network (X.25).Settlement system comprises the portable terminal 31 that is used for the light transmission and receives the financial status information of being issued, the credit inquiry terminal of in card transaction department store, installing 33, use the optical receiver 32 that connects to receive client's credit information signal of transmission, and the settlement management mechanism 36 that is used to finish transaction with credit affirmation and trading approving, as card company.Settlement management mechanism 36 is bank or card company.Carry out the trading approving request through VAN (value-added network) company 35.Repeater 34 selectively is connected between card transaction user's the credit inquiry terminal 33 and VAN company 35.
At first, the card issuance system of distribution payment information such as credit card, Payment Card, electronic money, trading coupon etc. is described below, it is included in the portable personal massaging device, as portable phone or PDA.
Fig. 4 illustrates the card issuance system of the embodiment of the invention.System shown in Figure 4 comprises card applicant 41 and card company 42, the identification that is used to finish verifying authorization He is authorized to the individual, and issuing card thus.Repeater 44 is sent to the information of issuing card the portable terminal of card applicant appointment through mobile communication network.Simultaneously, Fig. 4 system comprises authenticating card issue and apply people 41 and the mobile communication company 42 of portable terminal owner for same people, and the mobile communication agency 45 who sells portable terminal and the predetermined portable terminal of recommendation.The following card distribution operation that describes Fig. 4 system with reference to Fig. 5 in detail with top structure.
The corporate agent locates 45 in mobile communication, and card applicant 41 buys can be as the portable terminal of optics payment unit, as portable phone and PDA (step 51).The automobile of Shi Yonging is the communication terminal with portable phone or PDA form in an embodiment, makes up with the optical transmitting and receiving letter machine that can transmit with receiving card information.Mobile communication corporate agent 45 is sent to card company 42 through the card issue and apply that card middle man (card recruiter) 46 will receive.Card company 42 confirms whether the card applicant is the same people who fills in the card issue and apply, and check card distribution qualification (step 52).In the assay of step 52, the individual who has lost card distribution qualification in proof submits under the situation of card issue and apply, and the card issue and apply turns back to card middle man 46 or card applicant 41 or the distribution of refusal card.Under the card issue and apply situation by card distribution check, person in charge's input card application information fills in the card issue and apply of server of card company 42, allows server produce a card number (step 53) by the card number generating routine then.The dedicated line of card company 42 through based on contract having set up, the computer server in the request mobile communication company 43 confirms whether storage card issue and apply people's the park number and the portable terminal of card information are that the card applicant has (step 54).In the affirmation result of step 54,, then return the card issue and apply between the owner of portable terminal and Ka applicant if park number does not match.Have this portable terminal if confirm card applicant 41, the server that then blocks company 42 will comprise the credit card information encryption of the card number of generation, and through dedicated line the credit card information of encrypting will be sent to repeater 44 (step 55) with the portable terminal number.Repeater 44 receives card information and the portable terminal number of encrypting.Repeater 44 is called out through mobile communication networks to have and the portable terminal that receives portable terminal number duplicate numbers, and is connected under the connection status of portable terminal at repeater 44, transmits credit card information (step 56).The credit card information that portable terminal receives in the inaccessiable storage area storage of user, and on screen, show the message of confirming about the user (step 57)." dear Mr. Jin, the card of Congratulations is predetermined to show a message on the screen of portable terminal.Your credit line is 1,000,000 dollars ".Like this, the user can confirm his or she name and credit line etc., and checks and whether imported error message (step 58).In case confirm, if the information that receives is not normally imported, portable terminal turns back to step 56, makes repeater 44 can retransfer card information so that the operation of completing steps 56-58 once more.
Here, above-mentioned card issuance system is called propulsion system (push system).According to propulsion system, if the card applicant satisfies card distribution qualification prerequisites, the portable terminal of appointment is called out when submitting the card issue and apply to, and the card information of storage card company transmission therein, the announcement card applicant should block releasedly then, and did not consider card applicant and card being connected of company.Yet, can issuing card when the user can enter the state of repeater through the internet.Briefly, under the state of card company 42 receiving card information, repeater 44 will block release note through mobile communication network and send portable terminal to.Confirm that through portable terminal the client of card release note operates the keyboard on the portable terminal, to insert repeater 44 and wireless Internet.Under the wireless internet connection state, repeater 44 will ask the message of personal identification data (PID) to send the client to.The client of the message of reception request personal identification data (PID) operates the keyboard on the portable terminal, and personal identification data (PID) is sent to repeater 44.The repeater 44 that receives personal identification data (PID) judges whether the client in connecting is the individual who authorizes.If the client is the individual who authorizes, repeater 44 is sent to portable terminal with credit card information.In the storer that portable terminal is stored in the credit card information that receives wherein to be comprised, on screen, show the message of " the normal reception ", and finish its operation, make the user can confirm normal input.Simultaneously, if the client is not the individual who authorizes, repeater 44 makes mobile terminal device show the message of " you are not the individual who is authorized to, and card message can not be issued " on screen, and finishes its operation.This situation of picture can issuing card when the user can enter the state of card corporate server through the Internet.Under the situation of process the Internet card distribution, after issuing card, will not block release note card applicant, but purpose is received in the inquiry clamping, only recognizes under the situation of clamping receipts the card applicant, and card is issued the card applicant.
In addition, detachable IC-card has been installed on portable terminal, has been used method, be used for downloading and storage card message as subscriber identification module (SIM), USIM (Universal Subscriber Identity Module) (USIM) and subscriber identification module (UIM).
In addition, the card applicant can card company and directly input card information to portable terminal.This is called as keyboard system.Fig. 6 illustrates the card issuance system that uses keyboard system.
Fig. 6 illustrates the card issuance system of another embodiment of the present invention.System shown in Figure 6 comprises the portable terminal 61 that wherein is connected with optical transmitting and receiving letter machine 62, and it receives the card information of distribution and is used as the optics payment unit.The card issue terminal 64 that wherein connects optical transmitting and receiving letter machine 63 is input to the portable terminal 61 that the card applicant has with the card information of issuing.Portable terminal 61 is connected to card issue terminal 64 through wired or wireless mode.The system of Fig. 6 comprises the principal computer 66 of the bank regulatory authority that computer network 65 is relevant with the card distribution.The operation of the card distribution with Fig. 6 system that disposes above will be described in more detail with reference to Fig. 7.
Block applicant's access card distributing and releasing corporation, hold his or she portable terminal in person, fill in card issue and apply table and it is submitted to company's (step 71).The card publisher imports the content of filling in the application form of submitting to (step 72) through card issue terminal 64 in computing machine.The content of storing in the computing machine is sent to principal computer through computer network 65.Simultaneously, through tag card as residence card, passport and driving license, card publisher identification card applicant whether with card issue and apply table in the people of fill message be same people (step 73).After identification, the card publisher will block issue terminal 64 and be converted to input pattern (step 74), confirm then whether the number as the portable terminal 61 of input object is equal to the portable terminal (step 75) of submission.In this case, if the number of portable terminal 61 is equal to the portable terminal of submission, discern portable terminal by inquiry or calling mobile communication company.Then, the portable terminal 61 of submission is transformed into card input pattern (step 76).If distributing, card issue terminal 64 and portable terminal 61 be transformed into input pattern by step 74 and step 76, the optical transmitting and receiving letter machine 63 that is connected to the optical transmitting and receiving letter machine 62 of portable terminal 61 and is connected to card issue terminal 64 in the face of the location, ground, is made people light transmission and reception information each other by mutually.Certainly, card issue terminal 64 can directly be connected by cable with portable terminal 61, transmits thus and receiving card information.The card publisher presses load button predetermined on card issue terminal 64 keyboards, transmits the out of Memory (step 77) of individual card information, name and bank regulatory authority requirement thus.Here, the information via computer network 65 and the portable terminal 61 of transmission are input to principal computer 66, and are recorded in the there subsequently.Portable terminal 61 process optical transmitting and receiving letter machines 62 receive from the information of optical transmitting and receiving letter machine 63 transmission of card issue terminal 64 and the information (step 78) of recorder there.When card information was imported fully, under the normal operating state affirmation mode of card issue terminal 64, optical transmitting and receiving letter machine was positioned in the face of optical transmitting and receiving letter machine 63, presses predetermined button then to confirm mode of operation (step 79).If be confirmed to be normal, then last approval individual's card information enters (step 80).
Transmit and receive different with optics, portable terminal can be connected to the card issue terminal by cable through the external communication port that portable terminal provides, and makes card information to be stored on the portable terminal.By means of previously described optics payment mechanism can be not only that card information is stored in portable terminal with different information.That is, store award information and the corresponding service card information and the process optical transmitting and receiving letter machine transmission subsequently of existing bill or complimentary ticket form.
Fig. 8 is the block scheme of optics payment unit of the present invention.The optics of Fig. 8 payment unit pack draw together with electrical signal conversion be the optical transmitter 81 of light signal, storer 83 that light signal is converted to the optical receiver 82 of electric signal and has stored the various information that comprise input card information.Controller 94 is stored input informations and is controlled corresponding parts, makes canned data can be used as payment information.Optical transmitter 81 is connected to and is used to modulate the modulator 85 that will be transmitted signal, and optical receiver 82 is connected to the detuner 86 that is used for demodulated received signal.Interface 87 and 88 is finished the interface operation between modulator 85 and the controller 84 respectively, and the interface operation between detuner 86 and the controller 84.
Optics payment unit of the present invention is not limited to wherein to be connected with optical transmitting and receiving letter machine and as the portable terminal of communication terminal, and being applied to key chain, wrist-watch, electronic memo, PDA or the like, it can constitute according to user's needs can select the different mobile unit (MU) that uses.
Fig. 9 illustrates the outside surface of the optics payment unit that constitutes with the portable phone shape.The optical transmitting and receiving letter machine 121 that is used for light transmission and receiving card information is connected to the portable phone shown in Fig. 9.Simultaneously, in keyboard 124, be provided for the button of the optics transfer operation of control card information in addition.Certainly, can use existing button on the keyboard.Under the situation of the optics payment unit of portable phone shape, be provided for the button 122 of the light transfer operation of order traffic card function in the appropriate location of portable phone.The optics delivery operation is presented on the LCD (LCD) 123.Simultaneously, the signature mark 125 that is used to illustrate card membership qualification signature is connected to suitable position, and this position is not easy wearing and tearing during using portable phone, as use that it can satisfy the Signature Confirmation requirement under the situation of magnetic card.
Figure 10 is the block scheme of the optics payment unit that constitutes in the key chain shape.Key chain internal configurations shown in Figure 10 comprises and is used to receive the credit card information of infrared signal and the infrared code translator 92A that infrared signal is converted to the infrared receiving set 91A of electric signal and is used for electrical signal converted is transformed to the UART standard signal.UART part 93 is 8 bit parallel signals with UART standard serial electrical signal conversion.Simultaneously, key chain shape optics payment unit pack is drawn together the storer 95 of storing the credit card information that receives, little amount of money button 96 and the credits button 97 that is used for order light transmission delivery operation.Display 98 is formed and the display operation state by light emitting diode (LED).Simultaneously, to draw together CPU 94 that push-botton operation according to the user is used to transmit the credit information of infrared signal and finish the control operation that will be settled accounts, be used for UART standard electric signal change be the infrared code translator 92B of infrared standard signal and with electrical signal conversion be transmitted as the infraluminescence part 91B of infrared signal to key chain optics payment unit pack.Optics payment unit 90 with the key chain shape that disposes above is configured to the small-sized key ring handed easily.Here, the ring 99 that provides is convenient to and other key combination.
When the user presses the little amount of money button 96 that is used for the credit processing or is used for the credits button 97 of money of small denominations transaction, receive button inputted CPU 94 and read credit card information from the storer 95 of storing payment information.UART part 93 will be converted to the UART standard signal of serial model through the credit card information that CPU 94 reads, and the result that will change is sent to infrared code translator 92B.Infrared code translator 92B is infrared standard signal with UART standard serial conversion of signals, and transmits the result of conversion through infraluminescence part 91B.Infrared credit card information is sent to the credit card inquiry terminal, and it is elementary cell (BU), wherein connects optical transmitting and receiving letter machine so that clearing.Usually, if normally receive credit information, the credit information that receives in the elementary cell response infrared signal.Infrared signal is received and is converted into electric signal by the infrared receiving set 91A of optics payment unit 90.Infrared code translator 92A changes into the UART standard signal with electrical signal converted.UART part 93 is converted to 8 bit location parallel signals with the UART standard signal, and the result that will change is sent to CPU94.CPU 94 finishes communication operation according to the agreement that internal processes is determined, and control display 98 is to show communication success or failure thereon.
Here, be provided for finishing the other button of transaction with credit and little trading, make and during the transaction of little amount tendered and block trade, finish corresponding different operation.At first, under the situation of small amount clearing, do not need the password input as transport cost.Like this, only just can finish simple clearing by a striking of money of small denominations button 96.Yet, under the situation of wholesale clearing, finish clearing through the affirmation of password usually.Like this, under the situation of pressing credits button 97, at the credit card inquisitor (not shown) request password of receiving end, the user uses keyboard input password at receiving end then, and Personal Identification Number (PIN) input keyboard wherein is provided, and finishes business transaction thus.
Be mounted for requiring at cipher input (as keyboard) under the situation of wholesale clearing of password input, production cost increases and the volume of device increases.Like this, the present invention is the integrated pitch recognition module of portable phone keyboard in above-mentioned optics payment unit, therefore uses the portable phone keyboard can input password.That is, under the situation of wholesale clearing, the pitch recognition module is positioned at the loudspeaker near portable phone.In this state, use the portable phone button to press password.Then, the portable phone loudspeaker is exported corresponding dialling tone signal for the respective number that presses the button.Then, the pitch recognition module receives the corresponding tone signal of corresponding password, and identification is from the password of the tone signal that receives.If press the wholesale settlement button in this state, CPU 94 is transmitted in the password of discerning in the external tone identification module.Here, the outside output because the password that transmits is not stored in the optics payment unit is so even also need not consider the exposure of password under optics payment unit loss or stolen situation.
The portable phone that most of people have can be used as above-mentioned optics payment unit.In this case, the optics transfer circuit preferably integrated and be incorporated in the portable phone circuit.Yet, design and construct the time that the new portable phone of integrated optical transmission circuit will cost a lot of money and require too many cost.Like this, optical transmitter is combined in the battery of portable terminal (as portable phone), and therefore current available portable terminal uses in the same old way, finishes the function of optics payment and settlement system simultaneously.
Figure 11 illustrates the outside surface according to the portable terminal electric battery that the present invention includes optical transmitting and receiving letter machine.
Figure 12 is the block scheme that is included in light transfer circuit in the electric battery 104.
If the user presses the clearing switch 104 that connects in the electric battery 101, power circuit 111 provides the entire portion of power supply to light transfer circuit 102.Then, controller 112 reads information and the information that reads is sent to optical transmitter 114 from storer 113.Optical transmitter 114 is light signal such as infrared signal with the information translation that receives.That is, use light intensity that the numerical information that receives is converted into light signal.Under need situation, can use additional modulation/demodulation unit to increase communication distance than longer transmission distance.The light signal of conversion is outwards launched through luminous component 103.Here, IC chip such as IC-card can be used as storer 113.The IC chip has single unique identification 1 number, prevents that thus personal information from being revealed owing to the bootlegging of IC chip.
As another example, optical transmission circuit 102 can be integrated in portable terminal 100 rather than electric battery 101.In this case, the optical transmission circuit 102 that coupling arrangement needs to be integrated in portable terminal 100 is connected to luminous component 103 and clearing switch, and they all are fixed in the electric battery 101.Provide power supply to form such coupling arrangement by use to the power supply terminal of portable terminal 100 or other-end.
Figure 13 A is the front end backplan of connection status between optical transmitting and receiving letter machine transplanting of rice head unit and the portable phone unit, and Figure 13 B is the rear view of connection status between optical transmitting and receiving letter machine transplanting of rice head unit and the portable phone unit.Figure 14 is the detailed configuration figure of optical transmitting and receiving letter machine transplanting of rice head unit.
As shown in figure 14, optical transmitting and receiving letter machine transplanting of rice head unit comprises the circuit 131 that is arranged in the shell 130 and is used for the optical transmitting and receiving letter machine 132 that light transmitted and received data.Stube cable 133 forms with attachment plug 134 on a side of circuit 131.The external communication port that provides in the bottom of the portable phone shown in Figure 13 A and Figure 13 B is provided plug 134.Simultaneously, optical transmitting and receiving letter machine transplanting of rice head unit is included in the light that forms on the surface of shell 130 and transmits and receive window 135, forms the intake section and the exit portion of the light signal that transmits and receive on the optical transmitting and receiving letter machine 132 thus.Shown in 13B, optical transmitting and receiving letter machine transplanting of rice head unit is connected like this, makes light transmission and receive window 135 face the rear surface of portable phone.Like this, the user is connected to portable phone with plug device and need not changes the basic design and the structure of portable phone, finishes light then easily and transmit and receiving function under the state of the relative portable phone of user.
Conventional credit card inquisitor adopts process magnetic card or contact type IC-card to receive credit information and handles the method for these information.For this reason, Chang Gui credit card inquisitor can not receive the infrared credit information that transmits from optics payment unit of the present invention.Like this, optical receiver is integrated in the credit card inquisitor, therefore can directly receive infrared credit information in the credit card inquisitor.Below with reference to Figure 15 A and Figure 15 B optical receiver is described.
Figure 15 A is the block scheme according to the credit card inquisitor of the embodiment of the invention, integrated optical receiver, the outside surface of the credit card inquisitor that Figure 15 B illustrates Figure 15 A optical receiver integrated.
Even under the situation of optics payment and settlement, credit card inquisitor 140 operation of carrying out and the settlement process identical operations that adopts magnetic card of integrated optical receiver.At first, (not shown) is expressed the transaction with credit purpose if the client uses the optics payment unit, and the intended function key is imported the transaction with credit pattern on the use keyboard 145.The CPU144 that receives the button input is through display 146 request card inputs.Usually, read the card that inserts according to card input request by card reader 147, the feasible card information that is stored in the magnetic part of card is transfused to.Here, use the optics payment unit to represent under the situation of transaction with credit purpose the client, the transaction with credit button in the optics payment unit (Figure 10 A) is pressed, and makes card information transmit with ultrared form.The infrared receiving set 141 that is integrated in the credit card inquisitor 140 detects infrared card information, and the result that will detect is converted to the electric signal that will be sent to infrared code translator 142A.Infrared code translator 142A is decoded as card information the UART standard signal that will be sent to UART part 143.UART part 143 is converted to the 8 bit parallel signals that will be sent to CPU 144 with the UART standard card information signal that receives.Therefore, CPU144 receiving card information and feasible clearing are finished.More impossible in the past services have realized now.That is, being used for the existing complimentary ticket (coupon) that can utilize service to propose can be sent to the optics payment unit by power mode, and new service is provided thus.
The integrated type of above-mentioned optical receiver requires to provide other space and interface unit in the credit card inquisitor.The integrated type of a kind of like this, like this optical receiver is not easy to be applied to constitute or available credit card inquisitor on market.The outside credit card inquisitor that optical receiver is installed shown in Figure 16, wherein optical receiver is connected to the external communication port of credit card inquisitor, so that receive the credit information that transmits with the light signal form.
Figure 16 is the outside in accordance with another embodiment of the present invention credit card inquisitor block scheme that optical receiver is installed, and wherein optical receiver is connected to the credit card inquisitor by cable.The optical receiver 150 that install outside shown in Figure 16 receives the credit information that light transmits, and the credit information that receives is converted to the signal form that credit card inquisitor 155 can be discerned, and the result that will change is sent to credit card inquisitor 155.Here, the outside optical receiver of installing 150 is connected to credit card inquisitor 155 by cable.The operation of optics payment and settlement is identical with the operation of the credit card inquisitor 140 of integrated optical receiver shown in Figure 15 A and Figure 15 B among Figure 16.
Yet,, also should revise program stored in the credit card inquisitor even externally install under the situation of optical receiver.Like this, illustrate as Figure 17 A, Figure 17 B and Figure 17 C, consider that corresponding existing credit card inquisitor has the card reader groove of same size, structure can be assembled to the adapter of this groove.
Figure 17 A is the block scheme of adapter in the credit card inquisitor in accordance with another embodiment of the present invention, and Figure 17 B is the block scheme of the magnetic interface card of Figure 17 A, and Figure 17 C is the adapter of Figure 17 A and the connection status between the credit card inquisitor.
Adapter 160 shown in Figure 17 A comprises infrared receiving set 161A and the infrared transmitter 161B that is respectively applied for reception and transmits infrared signal.The infrared code translator 162A that is connected to infrared receiving set 161A is decoded as the UART standard signal with the card information that receives.The infrared encoder 162B that is connected to infrared transmitter 161B is encoded to infrared signal with the UART standard signal.The adapter 160 of Figure 17 A also comprises UART part 163, be used for will decoding the UART standard signal be converted to 8 bit parallel signals or parallel signal that slave controller 164 is transmitted is converted to the serial mode signal; And controller 164, the mapping algorithm by preparing in the transfer mode, apply pulse signal will be so that will change into the electromagnetic signal of ISO-7811 type about the electric signal of card information.The driver 165 that is connected to controller 164 is regulated impedance voltage according to the pulse signal that slave controller 164 applies.Alternately the current signal of control group voltage is applied to coil integrated in the magnetic interface card 166, produces the variation of magnetic flux thus.Shown in Figure 17 B, form magnetic interface card 166, make precalculated position at ferro-magnetic core around playing a coil.The magnetic flux change that produces is brought the exchange effect as exchange magnetic card in the card reader 147.Therefore, card reader 147 obtains credit information by the credit card reading process in the card credit card inquisitor 155, and transmits the credit information that reads through VAN network 157 subsequently.Have the adapter that disposes above and use shown in Figure 17 C, wherein be inserted under the state of card reader 147 of credit card inquisitor 155 at magnetic interface card 166, magnetic interface card 166 and adapter 160 interconnect by cable 167.
Yet under the situation of above-mentioned adapter, the magnetic interface card will be inserted into and take out when settling accounts by optics payment unit and magnetic card.Like this, at Figure 18 A and Figure 18 B adapter is shown, it can be arranged at the magnetic card side and need not take out the magnetic interface card.
Figure 18 A is according to a further embodiment of the invention, has the block scheme of the adapter of card reader in the credit card inquisitor, and Figure 18 B is the adapter of Figure 18 A and the connection status between the credit card inquisitor.The configuration of the adapter 170 shown in Figure 18 A is identical with the adapter 160 shown in Figure 17 A.The adapter 170 of Figure 18 A will comprise card reader 173, be used to read the magnetic card that is connected to UART part 174.Under the situation of the adapter 170 that on use has, disposes, use the two classes clearing of optics payment unit or magnetic card to be inserted under the situation of card reader 147 processed at magnetic interface card 177.
At first, handle purpose, then use on the credit card inquisitor 155 the intended function key to import the transaction with credit pattern if the client uses the optics payment unit to express credit.Credit card inquisitor 155 is through the input of display 146 request cards.The client press portable terminal as the portable phone that has as the optics payment unit or PDA in predetermined transaction with credit button, make credit information transmit with ultrared form.Be connected to the adapter 170 that inserts the magnetic interface card 177 of card reader 147 in the credit card inquisitor 155 by cable and receive credit information through infrared receiving set 171A.
Simultaneously, if the client uses magnetic card to express the transaction with credit purpose, then use on the credit card inquisitor 155 the intended function key to import the transaction with credit pattern.Credit card inquisitor 155 is through display 146 request card inputs.The user imports the card information of the magnetic part that is stored in card through the card reader 173 that is connected to adapter 170.Card information through card reader 173 inputs is converted to 8 bit parallel signals and is sent to CPU 175 through UART part 174.CPU 175 is applied to I/F converter 176 with the current signal of alternation, is the electromagnetic change of ISO-7811 type so that change the card information that transmits from UART part 174.I/F converter 176 is converted to the current signal of the alternation that applies and is applicable to the impedance voltage that is inserted into the magnetic interface card 177 in credit card inquisitor 155 grooves, and transmits the impedance voltage that changes.When the AC signal that transmits through I/F converter 176 was applied to coil, magnetic interface card 177 produced magnetic flux change in iron core.The effect that the variations of flux that produces produces is as the exchange effect of magnetic card.Certainly, the card information that reads through the card reader 173 that is connected to adapter 170 can directly be sent to credit card inquisitor 155.
Simultaneously, only under the situation of card inquisitor near the user, above-mentioned optics payment unit just can use infrared communication to settle accounts.That is, current infrared communication distance limit is in about one meter.This makes in the refuelling station, the department store of card inquisitor is installed in some limited places and uses the optics payment unit to settle accounts very inconvenient in the restaurant with some compartments.Like this, Figure 19 A illustrates mobile repeater to Figure 19 D, and wherein the current location the user can receive user credit information, and credit information is stored temporarily, and Cun Chu credit information only is used for clearing once subsequently.
Figure 19 A is the block scheme that the present invention moves optical repeater.Figure 19 B is the block scheme that the present invention moves the optical repeater basic device.Figure 19 C is the connection status of the mobile optical repeater of Figure 19 A.Figure 19 D is the connection status of the mobile optical repeater basic device of Figure 19 B.Mobile optical repeater 180 is movably, it receives from the user credit information in the light signal of user terminal, with its interim storage, and the credit card inquisitor that the credit information of storage is sent to optical repeater elementary cell 190 or connects optical receiver only once.
Optical repeater elementary cell 190 is connected to the credit card inquisitor by cable or through adapter, and it receives credit information, and mobile optical repeater 180 is sent to credit inquisitor 155 with the credit information that receives, so that inquiry user's confidence level.Here, optical repeater elementary cell 190 transmits user's credit information through the light signal that the mobile optical repeater 180 of associating transmits, and perhaps is connected to the user credit information that receives under the state that mobile optical repeater 180 transmits from mobile optical repeater 180 through connectors in optical repeater elementary cell 190.
In mobile optical repeater 180, infrared receiving set 181A receives and to be converted to electric signal with the infrared information form from the credit information of portable terminal and with it.CPU 184 credit information that interim storage receives in storer 185, and control the operation of LED 186 and represent that credit information is normally received.After the demonstration that recognizes LED 186, optical repeater 180 is positioned on the optical repeater elementary cell 190 that is connected to credit card inquisitor 155, and presses data subsequently and transmit button 187.Here, shown in Figure 19 C, optical repeater 180 is connected to optical repeater elementary cell 190, perhaps shown in Figure 19 D, is connected to the there with the form of infrared signal.Under the situation that Figure 19 C connector connects, the credit information that the CPU 184 of optical repeater 180 will be stored in the storer 185 is sent to optical repeater elementary cell 190 through delivery port 188.Under the infrared signal connection situation shown in Figure 19 D, the credit information that CPU 184 in the optical repeater 180 will be stored in the storer 185 is converted to infrared signal through infrared transmitter 181B, and the result that will change is sent to optical repeater elementary cell 190.CPU 184 receives credit information and delete corresponding credit information subsequently from storer 185.
In optical repeater elementary cell 190, receiving port 194 is connected to the delivery port 188 of optical repeater 180, receives with the credit information of UART standard signal form transmission and with the credit information that receives and outputs to CPU 195.Infrared receiving set 191A receives with the infrared signal form and is converted to electric signal from the credit information of the infrared transmitter 181B transmission of optical repeater 180 and with the credit information that receives.CPU 195 will be sent to the credit card inquisitor 155 that connects by cable through the credit information of receiving port 194 or infrared receiving set 191A reception.
Equally, to shown in Figure 20 D, can construct above-mentioned optical repeater 180,, make and in as the restaurant, the distance away from sales counter to present note (slip), so that settle accounts so that easily be used for the situation that optical repeater is connected with clip (clip) as Figure 20 A.With reference to Figure 20 A, use the clip 196 of optical repeater 180, the note of arranging on the clearing front cover is presented to the user.Therefore, the user can be at the table other inspection amount of money and with optical mode payment cost.Figure 20 B illustrates the side view of clip type optical repeater.The clip type optical repeater just often is being connected to charhing unit and is being provided on the sales counter.Shown in Figure 20 C, with easy-on clip type optical repeater formal construction charhing unit 197, the battery that in optical repeater 180 is charged in the coupling part 198 of overcharging, holds, they can use always.Figure 20 D is illustrated in the side view of the clip type optical repeater of installing in the charhing unit.
Optical repeater elementary cell 190 can be constructed with the form of adapter, and without any the change of function, and its outside surface is as the credit card inquisitor of the type of adapter shown in Figure 17 A and Figure 17 B so that be connected to existing credit card inquisitor.This type of adapter optical relay basic device is shown in Figure 21.With reference to Figure 21, I/F card 201 is inserted in the slot of credit card inquisitor 200.Optics payment unit of the present invention transmits the card information of infrared signal, and wherein card information need be encrypted in order to block safety.
Figure 22 is the block scheme that is used to explain card information encryption method of the present invention.
With reference to Figure 22, the card number sign indicating number is formed by the card number sign indicating number of one group of reality and the identify of card company distribution.The card number sign indicating number of Xing Chenging has about 40 bytes like this.The compression algorithm that is provided with in repeater 210 receiving card numbers and the execution compressor reducer 211 is with the compressing card number information.Here, compressor reducer 211 uses compression form 212 and the card information that receives is converted to the card information that can be stored in the portable terminal 215.The card information of compression approximately is 20 bytes.Like this Zhuan Huan card information and the card ID that distributes from card ID divider 213 become a pair of so that be sent to portable terminal 215.Here, card ID is used to differentiate the kind of card and the information of corresponding card information.
Portable terminal 215 receiving card information comprise the card ID from repeater 210.The storage index part 216 of portable terminal 215 registers the card ID that comprises in the card information that transmits as index, and card information is stored in the storer 217.Storage index part 216 is storage card name in screen display storer 218 also, and it is corresponding to the card information of storage in the storer 217, so that make the user confirm the Card Type that he or she selects.Like this, when the user selected a card, the corresponding card name that is stored in screen display storer 218 was presented on the screen, makes the user can confirm the card of selecting.Here, storage index part 216 has the index store shown in Figure 23 A.Index store comprise the total length of storing index ←, the card information ID that in various card informations, selects ↑ and the index information of expression card information actual storage locations by the user →.Shown in Figure 23 b, be used to discern a kind of card ID of payment information ← with corresponding to the actual card information of card ID ↑ in pairs, and have some in the card information that is stored in storer 217.Shown in Figure 23 c, be used for discerning the card ID of payment information ← and be used to show the literal of actual Card Type or mark (logo) data ↑ be stored in screen display storer 218.The screen mark can be card company or its co-worker's a mark.The card ID that is stored in storer 217 and screen display storer 218 has identical value respectively.
Describe below as above with card information coding and be stored under the state of portable terminal 215, be used to transmit process with receiving card information.
Figure 24 illustrates the communication process between the optics payment transceiver.
In Figure 24, if select the optics payment and settlement by the user, the corresponding optics payment of optics payment receiver ((BU) 235 is illustrated as elementary cell) request transmitter (as mobile unit (MU) 230 explanations) transmission signal.MU 230 transmits the index data that is stored in index store according to the request signal from BU 235.Here, index data is the address that is used to point out be stored in the card information storage unit of card information storer 217.BU 235 reception hint data are analyzed form with the index data that receives with the index of storage in advance and are compared, and create key in the index data of the reception that proves effective index.BU 235 sends to MU 230 with the key of creating with memory access commands.MU 230 extracts key from key signal, read the card information that is stored in storage in the card information storer 217, and adopts the key that extracts to encrypt the card information that reads once more.The card information of Jia Miing is sent to BU 235 like this.BU 235 adopts the key that has to decipher the card information of reception, according to predetermined compression form the card information of deciphering is reverted to card information then.
The infrared data transmission method is the agreement that is used for a pair of N transmission, wherein identification protocol is complicated between operating office, so only will spend 2-3 second under the situation of finishing mutual identification between the operating office with basic agreement link layering, it makes time delay.A pair of N host-host protocol can not be applied to the paying field, and wherein owing to top time delay, message transfer time is very important.Like this, new communications protocol is used for communication one to one.
Figure 25 and Figure 26 A and 26B illustrate respectively and use the applied communications protocol of optics payment settlement method of the present invention.BU 235 emissions one pilot signal is used to find out whether any correspondence station (1) that is in communication state is arranged in communication distance.Pilot signal comprises and is used to guarantee that the trouble-free ECC of communication data (error correcting code) (for example BCC (block check character (BCC))) is worth, is used to guarantee its ID (BU-ID) value of communication one to one.Simultaneously, BU 230 checks whether there is button input (step 251).If there is the button input, MU 230 confirms whether pilot signal receives and produce wrong (step 252) from BU235.The MU 230 that receives pilot signal confirms whether receive pilot signal in the predetermined reception stand-by period after receiving load button, and according to receiving the ECC value that comprises in the data, transmits the pilot signal that receives without any the shifting ground.If confirm that pilot signal is within the predetermined time without any receiving mistakenly, being included in the ID value (BU-ID) that receives the BU 235 in the data is extracted, so that guarantee whole communication non-fault next time, its ID value (MU-ID) is created and is stored (step 253).MU 230 calculates the ID value (BU-ID) of the BU 235 that points out to represent the value of its communication standby condition and the index value of the storage card value of information, the ID value (MU-ID) of representing its body, transmission communication request and is used to guarantee the trouble-free ECC values of the whole data that will be transmitted (2) (step 254).According to being included in the ECC value that receives the reception in the data, the BU 235 that receives the ECC value confirms whether the communication waiting signal that receives is expressed as the number (2) that transmits without any distortion.BU 235 adopts its ID value (BU-ID) that comprises in receiving data, ask communication to confirm whether to exist a response according to him or she.If mate fully, BU 235 reservations are included in the ID value (MU-ID) of the MU 230 in the communication waiting signal, so that guarantee whole communication non-fault.By using predetermined index value, BU 235 deciphering index values with the credit information value that comprises in the communication waiting signal that receives shown in (2) of pointing to Figure 25, and extract the value of pointing to required credit information subsequently.BU 235 is created in the key that will be used between communication period, and transmits (3) with the ID value (MU-ID) of MU 230.According to receiving the reception ECC value that comprises in the data, the MU 230 that receives key confirms whether the key and the command signal that receive are transmitted (step 255) without any the shifting ground.If confirm, MU 230 adopts and receives the MU-ID value that comprises in the data, according to his or her request communication, confirms whether there is a response (step 256).If the MU-ID value is not equal to the ID of MU 230, MU 230 receives (step 257) in the scheduled wait time.Even passed through the MU-ID value that preset time does not receive coupling yet if receive the stand-by period, MU 230 turns back to step 251, once more completing steps 251-257.If all mate, BU 235 reservations are included in the ID value (MU-ID) of the MU 230 in the communication waiting signal, so that guarantee whole communication non-fault.By using predetermined indexed table, BU 235 will point to the index value deciphering of the credit information value that comprises in the reception communication waiting signal that Figure 25 (2) illustrate, and extract the value of pointing to required credit information then.If the MU-ID value that receives equals the ID of MU 230, the order that MU 230 bases retransfer is from the memory storage reading of data, the data (step 258) that adopt secret key encryption to read then.Ciphered data is sent to BU 235 (4) (step 259).According to being included in the ECC value that receives in the data, the BU 235 that receives enciphered data confirms whether the enciphered data that receives is transmitted by no shifting ground.BU 235 adopts and is included in its ID value (BU-ID) that receives in the data, according to his or her request communication, confirms whether to exist a response.If all mate, the corresponding data of BU 235 transmission are to back-end processor and finish communication.If the data that are updated exist, BU 235 sends to MU230 (5) with the data updated signal with memory command.Here, more new data corresponding to the leave message of subway or charge station's charging system.MU 230 confirms according to the received BCC value that is included in the data whether the more new data and the command signal that receive are transmitted (step 260) without any the shifting ground.MU 230 adopts and is included in its ID value that receives data, according to his or her request communication, confirms whether there is a response (step 261).If confirm not exist his or she ID value in the data that receive, MU 230 waits at the fixed time and receives (step 262).Even if preset time is not through receiving the MU-ID value of coupling yet, then MU 230 turns back to step 251, with completing steps 251-262.Be present in the data of reception if confirm his or she ID value, MU230 storage is new data more accordingly, and according to accordingly more new data transmit confirmation signal (ACK) (6) (step 263).Then, MU 230 waits for about three seconds (step 264) and finishes program.Finish communication through these processes.
As mentioned above, card information is stored in portable terminal and brings in replacement magnetic types of cards, as credit card, prepaid card and bank card.In this case, if being stored in portable terminal, card information, then may consider bootlegging about card without any modification.Especially, under card information was directly imported situation at the storer of portable terminal, the individual of exploitation portable terminal may use specific equipment unlawfully to duplicate the portable terminal storer.Like this, card distribution management organization (as card exempted dealers) wishes to avoid card information to be stored in the portable terminal with the same form that is stored in magnetic card.Yet, in the bank transaction that several laymans finish, use the encryption system of individual asymmetric key to require long computing time, it makes and current system compares, the client is inconvenient more.Simultaneously, because the input symmetric key is identical with the situation of using symmetric key in many POS terminals, cryptographic key protection is difficulty more.
Consider top situation, developed novel IC-card system, because the installation cost of foundation structure, it is not widely used.Like this, the present invention uses current system as usual, and the password that uses user's appointment as the cryptographic algorithm key so that increase security, describe in more detail below with reference to Figure 27.
Figure 27 is the process flow diagram that is used for explaining the safe Enhancement Method of settlement system of the portable terminal that comprises card information used according to the invention.
The client fills in application form, so as with his or she portable terminal as a card, and it is submitted to corresponding bank regulatory authority.In this case, in application form, fill in the password (step 241) of card in addition.Bank regulatory authority check this application and subsequently after receiving application uses the password of customer requirement to come encrypted card information as key, as card number sign indicating number and valid period (step 242).Encryption method is used the algorithm of symmetric key model, does not know that card owner's password just can not solve this algorithm.Therefore, though read inner card information, can not use the card information that reads legally from portable terminal.Here, only can the encrypted card message part.Card information in portable terminal input encryption.For the sake of security, through being positioned at the interface unit of portable terminal low side, visit client's input information of corresponding bank regulatory authority.According to user's selection, can be by using wireless network at the portable terminal input information.If import financial information fully at portable terminal after the credit approval, the client selects a password, the password of filling in when it is matched with the card issue and apply when settlement mode.Here, with under can not the situation of contrafunctional form Crypted password, can further improve security.When the card of processing distribution substituted portable terminal above using process, the client operated the keyboard of portable terminal with input clearing password and selection settlement mode (step 243).At settlement mode, the Card Type that customer selecting will be used and press the transmission key.Therefore, be stored in the card information of portable terminal and password and transmit (step 244) with the form of infrared signal.Be connected to card information and the password of the optical receiver reception of contract shop POS terminal, and the result that will receive is sent to contract shop POS terminal from client's portable terminal.Here, the distance between portable terminal and the optical receiver be about one meter with interior short distance.Obtain rectilinearity because use light, so can not illegal this information of record.POS terminal operating decoding algorithm and do not keep key separately, and by using the password that receives to come decoder card information (step 245).After, as existing bank transaction system,, in card company computer, determine the approval (step 246) of transaction with credit through VAN company.If the password bad that receives, then receive and decipher card information also incorrect.Like this, can not ratify transaction with credit.When the client wishes to know his or she card information under portable settlement mode, his or she selection card validation of information menu.Then, at portable terminal operation translator, on screen, show information thus as card information and valid period.
The optics payment and settlement system can be applied to different field.For example, the optics payment system can be used in the occasion that great majority complete charge, as general commerce, charge station, subway, urban transit bus, tunnel, refuelling station, ecommerce, department store etc.Be described in more detail below the embodiment of optics payment and settlement system.
Figure 28 is to use the arrangement plan of the business system of optics payment transceiver of the present invention.System shown in Figure 28 comprises the optics payment transmitter 10 that is used for transmitting with optical mode credit card information that the portable phone by the user forms, and the optics payment receiver 20 or 21 that is used for receiving with optical mode the credit card information that transmits that is installed in the contract shop.The system of Figure 28 comprises: credit card inquisitor 30 or 31 is used to transmit the credit card information and the Request Processing approval of reception; VAN corporate server 40 is used for ratifying a motion confirmation request according to what receive, and will ratify or disapprove and notify credit card inquisitor 30 or 31.Here, optics payment receiver 20 or 21 is connected to credit card inquisitor 30 (seeing Figure 15 A and Figure 15 B) by cable, install and be connected to the formal construction (seeing Figure 17 A, Figure 17 B and Figure 17 C) of the adapter of credit card inquisitor 30 with card reader, perhaps can be integrated into credit card inquisitor 31 (seeing Figure 14).Describe operation in detail below with reference to Figure 29 about optics clearing in the general commerce system of Figure 28 with above-mentioned configuration.
Figure 29 is the process flow diagram that is used for explaining according to the general commerce system optics settlement operations of Figure 28.The client buys commodity (step 271).Under the situation of the expense of user's payment for merchandise, select settlement method (step 272).If finish clearing with optical mode, the client is sent to credit card information the optical receiver (step 273) that is integrated in or is connected to credit card inquisitor 30 or 31.That is, the client makes and pays receiver 20 or 21 as the portable terminal of optics payment unit 10 in the face of optics, presses predetermined button then to transmit the light signal that beginning is handled in expression.Here, the light signal of expression transaction beginning transmits with the credit information that comprises customer name and credit card number.Optics payment receiver 20 or 21 receives the light signal that comprises credit information, and the light signal that receives is sent to credit card inquisitor 30 or 31.The client confirms whether credit information is normally received (step 274).If not, the user transmits credit information (step 273) once more.If credit information is normally received, then normal message is presented on the screen of portable terminal (step 275).Simultaneously, using other clearing unit rather than making under the situation of using up, the employee adopts other clearing unit of client to finish settlement process (step 276).Credit card inquisitor 30 or 31 is checked the credit information (step 277) of input.That is, credit card inquisitor 30 or 31 credit informations with input are sent to the approval of VAN corporate server 40 with requests transaction.VAN corporate server 40 applies for blocking accordingly company's 50 approvals according to ratifying a motion of receiving.The card company that receives the approval application checks that financial status and the result that will ratify are sent to credit card inquisitor 30 or 31.Under the situation of refusal approval application, credit card inquisitor 30 or 31 is finished the following step that comprises step 276 once more, makes it possible to use other clearing unit to conclude the business.Accepting under the approval application situation, credit card inquisitor 30 or 31 printing sale contract notes and reception provide the commodity (step 278) of purchase then from client's clearing signature to the client.
Figure 30 is that the settlement system that is used to explain Figure 28 is applied to the operational flowchart under the sales counter compute type restaurant situation.
The user who has a dinner in the restaurant selects settlement method (step 281) at sales counter when the payment food price.Here, whether client's decision will finish optics payment and settlement (step 282).Under the situation of optics payment and settlement, the user makes and faces optical receiver 20 or 21 as the optical receiver of portable terminal 10 connections of optics payment unit, and is stored in the card information of portable terminal 10 to finish clearing (step 283) with the form transmission of light signal.Optical receiver 20 or 21 is connected to the credit card inquisitor 30 that is installed in sales counter by cable or adapter, perhaps is integrated in credit card inquisitor 31.Optical receiver 20 or 21 receives the card information that transmits with the light signal form from the optical transmitter as the portable terminal 10 of optics payment transmitter, and sends response signal according to the card information that receives.Accurate portable terminal 10 for optics payment transmitter receives optics payment receiver 20 or 21 response signals that send from credit card inquisitor 30 or 31 1 ends, and judges whether that the card information that transmits is normally received (step 284).If card information is not normally received, represent that then the message of undesired reception is presented on the display of portable terminal 10, and comprise the step of step 283 below repeatedly finishing, so that retransfer card information.If card information is normally received, the normal message that receives of expression is displayed on the display of portable terminal 10 (step 285).Optics payment receiver 20 or 21 is converted to the light signal card information that receives in credit card inquisitor 30 or 31 forms that can discern, and transmits the result of conversion.If in step 282, user's settlement method is not the optics payment and settlement, then adopts other clearing unit to finish settlement process (step 286).For example, if settlement method is to use the method for magnetic credit card, credit card inquisitor 30 or 31 card reader or the card reader that is installed in optical receiver adapter 21 read magnetic part on the card with receiving card information.Credit card inquisitor 30 or 31 is according to transmitting from optics payment receiver 20 or 21 or determining credit information (step 287) through the card information of card reader input.That is, credit card inquisitor 30 or 31 approvals through VAN corporate server 40 request card companies.Card corporate server 50 is according to the card information of request, through VAN corporate server 40, with trading approving or disapprove and be sent to credit card inquisitor 30 or 31.Under the situation that credit information is confirmed,, comprise that below the step of step 286 is repeatedly finished if do not accept the approval of transaction.If the acceptance approval, the employee sells contract note and accepts client's signature thereon from printing from credit card inquisitor 30 or 31, intactly finishes clearing (step 288).
If only use the portable phone in the above-mentioned settlement system to come transfer card information, according to the generalized case of present transaction with credit, only the signature of buyer on contract note becomes the main body recognition unit of trading activity.Especially, when the cash of trading activity relevant with transport cost or comparison small amount carried out trading activity, if the user should sign on receipt, the execution time of whole trading activity was delayed.Like this, can use cellular phone number to discern commercial participant.
Figure 31 is to use the schematic diagram of telephone number as the settlement system of the employing optics payment of ID (sign), and Figure 32 is to use the synoptic diagram of telephone number as data stream in the settlement system of the employing optics payment of ID (showing knowledge).
When credit information is stored in the portable terminal, during as portable phone or PDA, credit information is corresponding to the telephone number of distributing to terminal on one-to-one basis and be stored in terminal.If carry out the button input for the optics payment and settlement by the user, portable terminal (MU) 10 transmits the credit information of telephone number and storage with the form of infrared signal.The optical receiver of receiving dialed number (BU) 20 extracts credit information and telephone number from the light signal that receives.Optical receiver (BU) 20 is sent to credit card inquisitor 30 with credit information and the telephone number that extracts.Credit card inquisitor 30 transmits credit information and the reserved telephone number that is used for the outside reception of differentiating.Card company 50 receives the project of credit information and approval transaction.If the project of transaction goes through, credit card inquisitor 30 prints the project of purchase and the telephone number of reservation on receipt.Therefore, transaction agent is represented as the telephone number on the receipt.
In using the optics payment and settlement system of telephone number as ID, use portable terminal to finish the mobile communication company of his or she predetermined terminal of personal choice of transaction rather than card company as trade management mechanism, so that finish trading activity, under the situation of the relevant trading activity of automatic vending machine or transport cost, adopt the batch processing settlement system and need not pass through the conventional online approval system, differently select transaction with credit management organization thus.
Can be stored in portable terminal as the telephone number of ID, and on the one-one relationship basis, use telephone number with respect to portable terminal.If under the situation of the relevant trading activity of automatic vending machine or transport cost, the user selects mobile communication company as transaction with credit management organization, it is exactly the batch processing settlement system, and finish the push-botton operation that is used for the optics payment and settlement, portable terminal transmits telephone number and the authentication key that comprises with infrared form.If identify the telephone number of transmission is user's pre-regularly special number of input in communication network, use the authentication key of identification, the optical receiver of receiving dialed number and authentication key uses the decoding key to discern authentication key, and the project of approval transaction and it is kept.
Figure 33 is the arrangement plan that adopts charge station's settlement system of optics payment and settlement system of the present invention.System shown in Figure 33 comprises and is installed in the controller 100 and 300 that charge station's inlet side and charge station export a side respectively, and business office's computing machine 200.Access controller 100 comprises that vehicle leaves detecting device 103, vehicle classification device 106, invoice machinery 105, vehicle lane controller 101 near detecting device 102, vehicle.Access controller 100 also comprises can finish the bi-directional optical transceiver 104 that transmits and receive operation.Control of export device 300 comprises ticket concentrator marker 303, receipt issuing machine 304 and the ticket processor 305 of vehicle lane controller 301, wagon detector 302, fixed numbers.Control of export device 300 also comprises can finish the bi-directional optical transceiver 306 that transmits and receive operation.Describe the operation of charge station's disbursement and sattlement in detail with the system of charge station that disposes above below with reference to Figure 34 and Figure 35.
If vehicle arrives the access way that leaves charge station, driver or passenger make portable optical payment transmitter in the face of being positioned at the optical transmitting and receiving letter machine 104 of access way one side, press the transmission button then.Be stored in of the form transmission of the card information of optics payment transmitter with light signal.Optical transmitting and receiving letter machine 104 receives the card information that transmits from optics payment transmitter.Optical transmitting and receiving letter machine 104 is checked the signal format of the card information that receives.In signal format is to satisfy under the normal condition of predetermined protocol, and card information is sent to vehicle lane controller 101.If vehicle near detecting device 102 detect vehicle near the time (step 321), vehicle lane controller 101 will wait for that the numeral of vehicle adds 1 (step 322).Then, vehicle lane controller 101 confirms whether approaching vehicle is optics payment information transmission vehicle (step 323).If approaching vehicle is an optics payment information transmission vehicle, vehicle lane controller 101 is through optical transmitting and receivings letter machines 104, with the form of light signal send inlet relevant near information (step 324).Portable terminal as optics payment transmitter will believe that the inlet that machine 104 transmits is recorded in storer near information from optical transmitting and receiving.Inlet comprises current charge station's information, temporal information and type of vehicle information near information.Type of vehicle is classified through vehicle classification device 106.If approaching vehicle is not an optics payment information transmission vehicle, vehicle lane controller 101 will enter the mouth and send to invoice machinery 105 near information, make the invoice machinery distribution comprise the ticket (step 325) of inlet near information.If top process is finished, vehicle lane controller 101 shows the signal that the approval vehicle passes through and will give passenger's (step 326) by approval notification.If vehicle leaves detecting device 103 and detects vehicle and leave (step 327), vehicle lane controller 101 subtracts 1 (step 328) from the quantity of waiting for vehicle.Vehicle lane controller 101 is sent to corresponding business office computing machine 200 with each vehicle inlet near information.
If come by the vehicle that leaves charge station and arrived charge station, driver or passenger make the portable payment transmitter in the face of being positioned at the optical transmitting and receiving letter machine 306 of charge station's access way, press the transmission button then.The card information that is stored in optics payment transmitter transmits with the form of light signal, and the inlet that is stored in storer transmits near the form of information with light signal.Optical transmitting and receiving letter machine 306 receives the card information that transmits from optics payment transmitter and inlet near information.Optical transmitting and receiving letter machine 306 is checked from the signal format of the information of optics payment transmitter transmission.In signal format is under the normal situation, and optical transmitting and receiving letter machine 306 is sent to vehicle lane controller 301 with the information that receives.If vehicle detects vehicle near (step 331) near detecting device 302, vehicle lane controller 301 will wait for that the quantity of vehicle adds 1 (step 332).Then, vehicle lane controller 301 confirms whether approaching vehicle is that the optics payment information transmits vehicle (step 333).If approaching vehicle is the optics payment information transmits vehicle, vehicle lane controller 301 calculates as corresponding by as many by expense at interval according to the information that transmits, and collection relevant with card information pass through expense (step 334).Vehicle lane controller 301 is recorded in trading item in the storer of optical transmitting and receiving letter machine 306, and simultaneously trading item is sent to optics payment transmitter, makes the settlement amounts of accumulation be stored (step 335).Trading item is sent to business office's computing machine 200 and is recorded in wherein subsequently.Simultaneously, transmit vehicle if approaching vehicle is not the optics payment information, ticket processor 305 is received in the ticket that leaves charge station's distribution from the driver, and imposes charge station's toll with the ticket of cash or fixed numbers and use (step 336).With the paying by check charge station of close end by under the situation of expense, settle accounts corresponding cost through close end ticket recognizer 303, subsequently difference is noted and is shown thereon and return.On process, after the process collection cost, issue receipt through receipt issuing machine 304.If settled accounts by expense, vehicle lane controller 301 shows by approval (step 337).If wagon detector 302 detects vehicle near (step 338), vehicle lane controller 301 subtracts 1 (step 339) from the quantity of waiting for vehicle.
By each time point, whether business office's computing machine 200 is checked consistent with the trading item of the optical transmitting and receiving letter machine 104 that is connected to charge station and 306 with the trading item that leaves vehicle registration with respect to approaching.If the trading item of two records is consistent with each other, business office's computing machine 200 is removed the record of optical transmitting and receiving letter machine 104 and 306, and trading item is sent to collection server (not shown).Here, collecting server is the central server that is used for the interconnective corresponding business office of control of central authorities computing machine.Only when both are consistent, collect the server inspection record the transaction details of business office's computing machine 200 whether with the data consistent of collecting, and image data is sent to the card corporate server with the form of bag.Remove the record data in business office's computing machine 200 then.
Figure 36 is the arrangement plan that the speed of driving of employing optics payment and settlement system of the present invention is purchased shop (drive-thru) order system.System shown in Figure 36 also is included in the optical receiver 344 that the appropriate location connects on the order items display board 343 of existing system, is used to receive the card information that adopts the light signal form.Here, the client who rides uses the optics payment unit as comprising the portable phone of credit card, is wherein connecting the optical transmitter with light signal form transfer card information.
Figure 37 is the arrangement plan of the optics payment and settlement system of Figure 36 system.System shown in Figure 37 comprises: comprise card information and with the form transfer card information of the light signal portable phone 10 as the optics payment unit; Be connected to the optical receiver 344 of order items display board 343, be used to receive the card information that adopts light signal; And the card inquisitor or POS (point of sale) terminal 60 that are connected to optical receiver 344, be used to receive the card information of transmission and confirm trading approving.Except portable phone 10, may use any portable product as the optics payment unit.Here, the order items display board 343 of Connection Card inquisitor or POS terminal 60 and optical receiver 344 are installed in the department store.Optical receiver and card inquisitor 60 interconnect by cable or adapter.The system of Figure 37 comprises VAN corporate server 40, and it transmits the card information of requests transaction approval to the card corporate server 50 as settlement management mechanism, and the result that will ratify or disapprove is sent to card inquisitor or POS terminal 60.
Below with reference to Figure 38 and Figure 39 and Figure 36, describe in detail and have the operation that the speed of driving that disposes is above purchased the optics payment and settlement system of order system.
The client is parked in vehicle and orders reception place 340A (step 371).Then, the client watches and is ordering the menuboard 341 that reception place 340A installs, and orders under the state of client's steering vehicle and want purchased commodity (step 372).Receive the office worker who orders and in POS60, import the order receipt.The data of input output on the screen that the office worker that selects commodity can see, so that this office worker takes out the order goods of paying the client.Finish if order, the client determines whether that the optics payment and settlement has carried out commodity payment (step 373).Under the situation of carrying out the optics payment and settlement, the client discerns order items item by item by the payment and settlement amount of money, and they are presented on the order items display board 343 of ordering reception place 340A installation (step 374), finish the optics payment and settlement thus.Here, the client can settle accounts payment and need not open vehicle window.As shown in figure 38, order items display board 343 expression trade names, quantity, amount and summation.Simultaneously, optical receiver 344 is connected the suitable place of order items display board 343, for example in its upper right side.Like this, the client discerns order items by the payment and settlement amount of money, they are presented on the order items display board 343, and make the optical transmitter that connects on as the portable phone 10 of optics payment unit in the face of optical receiver 344, the card information that will be included in portable phone 10 thus transmits and finishes the optics payment and settlement with the form of light signal.Be connected the light signal card information that optical receiver 344 light-receivings on the order display board 343 transmit from the portable phone 10 as client's optics payment unit.Optical receiver 344 is converted to the light signal card information that receives the form that card inquisitor or POS terminal 60 can discern and transmits the result who changes.Card inquisitor or POS terminal 60 are according to the card information that transmits from optical receiver 344, through the approval of VAN corporate server 40 request card companies.Card corporate server 50 will or be disapproved the result according to the trading approving of the card information of request and be sent to card inquisitor or POS terminal 60 through the approval of VAN corporate server 40 requests transaction.During waiting for ratification, client's steering vehicle and move to commodity extraction place 340 (step 375).In step 373, if the customer statement method is not the optics payment and settlement, user's steering vehicle and move to commodity extraction place 340B (step 376) at once after order goods then.When vehicle is parked in commodity extraction place (step 340B), check the credit card payment of whether ratifying under optics payment and settlement situation (step 377).Ratified in the check result of step 377 after the card clearing, the client receives the commodity of order and from office worker's card receipt (step 378) and leave (step 381) subsequently.If the card clearing do not go through or settlement method is not the optics payment and settlement, the cash of then settling accounts with regular situation carries out (step 379).After the employing cash was settled accounts, the user received from office worker's order goods (step 380) and leaves (step 381) subsequently.
As mentioned above, purchase in the speed of driving under the situation of order system employing optics payment and settlement system, when sending order, transmit payment information, finish the clearing of all commodity payments like this, increased the sales volume of unit interval thus significantly.
Figure 40 is the arrangement plan that adopts refuelling station's Fare Collection System of optics payment and settlement system of the present invention.System shown in Figure 40 comprises mobile optical repeater 180 and optical repeater elementary cell 190, wherein the portable mobile optical repeater of being handed by refueling operation person 180 receives payment information, refueling operation person makes optical repeater 180 be connected to optical repeater elementary cell 190, so that payment information is input to card inquisitor or POS terminal 60 and makes trading approving and clearing finish.The operation of the optics payment system with the refuelling station's Fare Collection System that disposes is above described below with reference to Figure 41.
In the refuelling station, operator notification user fuel fills up fully, and asks him or she settlement method.Customer selecting settlement method (step 391) after filling up.The operator determines whether the settlement method that the client wishes is optics payment settlement method (step 392).Wish the user under the situation of optics payment that the settlement amounts that the operator is input to mobile optical repeater 180 with settlement amounts and will imports mobile optical repeater 180 offers client's (step 393).By means of portable phone 10 as his or she optics payment unit, under the state of client in automobile, the client confirms the settlement amounts that shows on the mobile optical repeater 180 that the operator provides, and credit information is sent to mobile optical repeater 180 (step 394).Mobile optical repeater 180 determines whether light signal successfully arrives (step 395) from portable phone.If light signal normally arrives mobile optical repeater, the credit information that is included in the light signal is temporarily stored in the mobile optical repeater 180.The light signal that does not normally arrive or arrive at light signal is undesired so that can not normally read under the situation of credit information, and operator's request is retransmitted to mobile optical repeater with credit information.Here, optical receiver is connected to the portable phone 10 as the optics payment unit naturally, therefore through the automated optical communication between portable phone 10 and the mobile optical repeater 180, mobile optical repeater 180 requests automatically are retransmitted to portable phone 10 with credit information.After receiving credit information, the operator gets mobile optical repeater 180 to optical repeater elementary cell 190, so that transmit credit information to optical repeater elementary cell 190 (step 396).This method can mainly be presented as two aspects.First aspect is installed mobile optical repeater 180 and is made the connector of mobile optical repeater 180 touch the connector of optical repeater elementary cell 190.Second aspect, mobile optical repeater 180 will comprise that the light signal of credit information is sent to the optical receiver of optical repeater elementary cell 190.Here, mobile optical repeater 180 only is sent to optical repeater elementary cell 190 once with corresponding credit information.In step 392, the client wish to pay in cash or the situation of other method rather than optics payment under, settlement process is carried out (step 397) according to the settlement method that the client wishes.That is, the client gives the operator with his or she magnetic card, and the operator uses at the local credit card inquisitor of installing of clearing or the card reader of POS terminal 60 and handles clearing then.Be connected at the magnetic interface card under the situation of the mobile optical repeater 180 that the operator holds, use the magnetic interface card and the card reader of no credit card inquisitor or POS terminal 60 reads the magnetic credit card, and subsequently the card information that reads is stored in the optical repeater elementary cell 190 temporarily.The optical repeater elementary cell 190 that receives credit information from mobile optical repeater 180 is sent to credit card inquisitor or POS terminal 60 with corresponding credit information.Credit card inquisitor or POS terminal 60 are sent to VAN or card company 40 or 50 to confirm whether to conclude the business go through (step 398) with credit information.If the transaction from VAN or card company 40 or 50 goes through, then optical repeater elementary cell 190 adopts printer prints to go out trading item and output print result, and the operator gives corresponding client so that he or she checks trading item (step 399) with the receipt of printing.If because relatively poor credit or surpass amount, VAN or card company do not ratify transaction, optical repeater elementary cell 190 output error signals and make another clearing unit finish clearing as step 397.
Here, be installed at optical receiver under the situation of credit card inquisitor or POS terminal 60, mobile optical repeater 180 is with the form of light signal, and the credit information that directly transmits the client is finished the optics clearing thus to not as the credit card inquisitor or the POS terminal 60 of optical repeater elementary cell 190.
Simultaneously, so that distribute under bonus points and the situation according to the some payment for merchandise expense of accumulating according to the fuel quantity that fills up, the card number sign indicating number is included in the portable phone, so that transmit with the form of light signal at the distribution Bonus Card.POS terminal 60 transmits these according to input Bonus Card number with the fuel quantity that fills up and puts corresponding oil refinery company 70.Oil refinery company 70 is for new point that produces of the some accumulation of accumulating in corresponding card number sign indicating number, and the point that will accumulate is sent to POS terminal 60 once more, and making the client discern thus and always having how many points is his or she bonus points.
Be used under the situation of above-mentioned refuelling station collection cost system at optics payment settlement method, the client can settle accounts the cost of instantaneous generation and need not move to credit card inquisitor or POS terminal 60, and does not need to transfer credit card to the operator.
Figure 42 is the arrangement plan that adopts the department store settlement system of optics payment and settlement system of the present invention.Department store settlement system shown in Figure 42 is configured to that in fact the refuelling station collection cost system with shown in Figure 40 is identical.Yet POS terminal 60 is not directly connected to VAN company 40 but is connected to VAN company 40 through department store server 80.
During buying commodity, the user will adopt the payment information of light signal form to be sent to the mobile optical repeater 180 that the department store office worker holds, and finish the disbursement and sattlement of generation.The payment information process that the department store office worker will receive in optical repeater 180 is integrated in or the outside optical receiver that is installed in credit card inquisitor or POS terminal 60 is sent to credit card inquisitor or POS terminal 60, perhaps is sent to credit card inquisitor or POS terminal 60 through optical repeater elementary cell 190.Credit card inquisitor or POS terminal 60 send to VAN or card company 40 or 50 through department store server 80 with the credit card information that transmits, and discern trading approving thus or disapprove.If VAN or card company 40 or 50 approval transaction, optical repeater elementary cell 190 adopts printer to print the result of trading item and output print, and the department store office worker hands over to corresponding client with the receipt of printing, so that he or she checks trading item.Here, be under the situation of card information of department store issuing card at payment information, 80 of department store servers in consider personal credit information, approval is installed or disapprove and settlement amounts in determine trading approving or disapprove.
As mentioned above, the optics settlement system that comprises mobile optical repeater and optical repeater elementary cell can be applied to client's form and calculate the restaurant.In this case, the office worker uses the mobile optical repeater of clip type as shown in figure 20.
Simultaneously, the present invention can be applied to be installed in buildings or on the street unwatched automatic vending machine, making thus that the user also can use even without coin or petty cash can automatic vending machine.
Figure 43 is the arrangement plan that adopts the unattended automatic saler system of optics payment and settlement system of the present invention.System shown in Figure 43 comprises portable terminal (MU) 410, comprises that optical transmitting and receiving letter machine 421 is so that receive the automatic vending machine 420 of the optics payment information of portable terminal 410.Automatic vending machine 420 also comprises the register 423 that is used to control the controller 422 of production marketing operation and is used to write down item sale.Figure 44 illustrates the detailed configuration of automatic vending machine 420.Figure 43 system comprises whole and installs 412, be used for integrating at mutual different local item sales of register 423 records of the automatic vending machine 420 placed that disperse, and will put in order and item sale be sent to the transmission terminal 414 that VAN company 416 or card company 418 are used for approval process in batch.The operation of the cost clearing with the unattended automatically vending system that disposes is above described below with reference to Figure 45.
The production payment expense (step 431) of user for buying.Under the situation of coffee automatic vending machine, the client pays the beverage types of hope.Under the situation of paying in cash, the user is input to corresponding cash amount in the cash inlet 424 of automatic vending machine 420.Under the situation of optics payment, through portable terminal 40 usefulness light transfer card information.The optical transmitting and receiving letter machine 421 of automatic vending machine 420 receives the light signal that comprises card information, and the light signal that receives is sent to controller 422.Controller 422 checks whether payment is optics payment and settlement (step 432).Under the situation of optics payment and settlement, check whether the corresponding card information that receives is effective information (step 433).Confirm without card company 418 whether card information is effective by its authority.That is, the relatively poor transactional cards information of controller 422 storage registrations, promptly whether the card information corresponding to the card information of blacklist and affirmation reception simply is included in the relatively poor transactional cards information of previous registration, thus the validity of identification card.Through so simple identification, each automatic vending machine does not need the trading approving that special dedicated line is finished credit card information inquiry and card company 418 or VAN company 416 is installed, and makes that thus installation cost is lower.Relatively poor commercial affairs or blacklist is updated periodically simultaneously, therefore guaranteed the security of transaction.Certainly, blacklist is registered in corresponding portable terminal 410, makes payment information need not use up transmission at portable terminal 410, in this case, does not need to discern whether card information is effective.Relatively poor trafficker's registration is described below.If the payment in step 432 is not the optics payment and settlement, then judge whether to be transfused to cash inlet (step 434) greater than the amount of money of buying product phase dutiable value.If corresponding card information is effective information in step 433, perhaps the amount of money of input is greater than corresponding product price in step 434, and controller 422 shows that on product selector switch 426 product extracts approving signal (step 435).The user is chosen in the product of the hope of the approval extraction that shows on the product selector switch 426.The product turnout (step 436) of 422 pairs of selections of controller.For example, select the user under the situation of a glass " coffee with milk ", the driving of controller 422 control coffee motor driver 429A, sugared motor driver 429B and milk motor driver 429C, and the outlet 428 of process cup is with one glass of coffee with milk shipment that mixes coffee, sugar and milk.Under the situation of paying in cash, controller 422 calculating are given change and are repaid device 427 through currency the corresponding monetary amount is exported.If the client is through repaying the product that requester 427 cancellations are bought, then controller 422 is repaid the currency of input through repaying device 427.If the client receives the product of shipment, controller 422 checks once more whether payment is optics payment and settlement (step 437).Under the situation of optics payment, item sale is recorded in the register 423 (step 438).
Simultaneously, the operator of automatic vending machine 420 comes the place that automatic vending machine 420 is installed with integrating apparatus 412 at set intervals, to gather total sale particulars.That is, the sale particulars that are recorded in register 423 believe that through the optical transmitting and receiving of automatic vending machine 420 machine 421 is downloaded to integrating apparatus 412.The operator makes integrating apparatus 412 be connected to the terminal 414 of transmission according to gathering all sale particulars at the different local automatic vending machines that distribute then, and the server that is sent to VAN company 416 then is used for ratifying in batch.The sale particulars that the server of VAN company 416 will ratify a motion in batch are sent to the server of corresponding card company 418.Integrating apparatus 412 is described below and transmits terminal 414.
Figure 46 is the arrangement plan that adopts the Self-Service station payment system of optics payment and settlement system of the present invention.
The light signal that Self-Service station 440 receives from portable terminal 410 extracts card information and the required document of distribution user from the light signal that receives.Self-Service station 440 store transaction details and subsequently according to operations of operators, through call connect will storage trade detail be sent to integrated service device 450.Integrated service device 450 is sent to card company 418 with the form of bag with the trade detail of integrating.
If receive the trade detail at Self-Service station, the server 418 of card company 418 is delivered to the operator's who specifies the Self-Service station account with corresponding trading volume, and to the trading volume charge of card user.
Figure 47 is the more detailed block diagram at Self-Service shown in Figure 46 station 440, and it illustrates the distribution example of document.Document publishing system shown in Figure 47 comprises the importation 444 that is used to import the personal information that the document sale room needs; Be used for the display 445 of display screen information thereon, make the user can confirm the information that he or she is required thus; And be used to handle expense processor 446 about the expense of distribution document.Expense processor 446 comprises that the coin/banknote recognizer 447 that is used to discern input coin amount or banknote, the coin/bill that is used to show the display 448 of identification amount of money summation and be used to collect input coin or banknote collect box 449.Expense processor 446 also comprises optical receiver 441, is used to receive the light signal that has comprised from as the card information of the portable terminal 410 of optics payment unit; And the trade detail memory storage 443 that is used for the store transaction details.The document publishing system of Figure 47 also comprises principal computer 451 (have and be included in the content that can issue in the document), be used to control each parts whole operation controller 442 and be used to print the required document of user and its document printer 452 of distribution under the control of controller 442.Collection material printer 453 is printed trade detail and it is issued to the user as receipt.Below with reference to Figure 48, describe the operation of the charge of Self-Service robotization document publishing system in detail with above-mentioned configuration.
Controller 442 shows the menu that may serve that can provide on display 445 has been provided, allows his or she required service (step 461) of customer selecting thus.The user sees the menu content that shows on the display 445 and selects his or she required service.If select a service through importation 444, controller 442 is the demonstration expense on display 445, so that the client pays corresponding cost (step 462).Here, controller 442 is confirmed whether optical branch is paid clearing and is presented on the display 445 (step 463).The user confirms the amount of money of demonstration on display 445, and adopts him or she to pay by desired settlement method subsequently.Under the situation of optics payment and settlement, the client makes portable terminal 410 as the optics payment unit in the face of the optical receiver 441 in the expense processor 446, then with the form transfer card information (step 464) of light signal.Optical receiver 441 in the expense processor 446 extracts card information from the light signal that receives and the result that will extract is sent to controller 442.Controller 442 confirms whether the corresponding card information that receives is effective information (step 465).If card information is not effective information, it is not effective information that controller 442 is notified client's card information, and allows the client pay (step 466) in cash.If card information is effectively, controller 442 shows normal indication on display 445, and the personal information that 444 receptions need through input port is as identification (step 467).Controller 442 is stored in trade detail in the trade detail storage unit 443 (step 468).Here, trade detail comprises service item, expense, issuing date or the like.If the payment in step 463 is not the optics payment and settlement, the client is with cash paying (step 466).Under the situation with optics payment or out-of-pocket expenses, controller 442 loads required information according to input information from principal computer 441, prints documents and the document of printing is issued to client's (step 469) through document printer 452.
As mentioned above, the trade detail of gathering in trade detail storage unit 443 is sent to integrated service device 450 sometime.That is, the trade detail of storage transmits by Self-Service station 440 operations of operators.Integrated service device 450 is compared the trade detail that transmits with the content in the trade detail storage unit 443, and, remove the All Activity details of trade detail storage unit 443 then and if only if two trade details are mutual when identical, with the form of bag trade detail is sent to card company 418.Here, the Self-Service station is distributed on different local and process computer network connections.The principal computer 451 of managing the Self-Service station like this, is fully being brought into play the effect of integrated service device 450.The card company that receives trade detail delivers to predetermined Self-Service station 440 operators' bank account according to corresponding trade detail with amount of currency, and sends bill to the user.
Under the situation that credit settlement can not be finished in real time, as at automatic vending machine or Self-Service station, need the harvester that moves, wherein the credit information of Cai Jiing is calculated fully, therefore makes the client can move to the place of can credit payment settling accounts.The invention provides the mobile collection device that uses PDA or memory set.
Figure 49 A is the block scheme that has adopted the automatically vending system of the mobile collection device that uses PDA.Figure 49 B illustrates the example of the PDA that uses in Figure 49 A system.
The optics payment receiver 471 that is installed in the automatically vending system is monitored controller of automatic vending machine 470 through intermediate frequency (I/F) part 477.When trading item occurring in monitored results, CPU 475 detects trading item and it is recorded in the internal storage 476.Simultaneously, the PDA of Figure 49 B explanation comprises infrared (Ir) transceiver 481 of connection, and uses optics payment transceiver 471 communications in infrared ray and the automatic credit system.The operator of automatically vending system operates Menu key on the PDA 480 with activating sale details capture program, makes Ir transceiver 481 aim at the acquisition target machines then, adopts ultrared form to transmit acquisition subsequently.The acquisition that receives is converted to and can controls CPU 475 thus by the signal of CPU 475 identifications through Ir converter 473 and UART 474.CPU 475 is according to the trade detail data of acquisition reading and recording in internal storage 476, and will read the result through UART 474 and Ir converter 473 and output to Ir transceiver 472.Ir transceiver 472 adopts ultrared form to transmit the trade detail data of input.The Ir transceiver 481 of PDA480 receives from the infrared signal of the trade detail of optics payment receiver 471 transmission of automatically vending system.The trade detail that receives arrives CPU 484 through Ir converter 482 and UART 483, and is recorded in the internal storage 485.CPU 485 checks whether data are presented on the LCD 486 by the result who successfully receives and will check, allow the operator monitor acquisition state thus.If in PDA 480, add up to trade detail, the trade detail that adds up to is sent to PC through Ir port or serial port 487, use the transmission sales management software to be sent to the centric acquisition center, perhaps use communication unit (as portable phone, elementary cell etc.) separately to be sent to the centric acquisition device.
Figure 50 A is to use the block scheme of the mobile collection device of memory set.Figure 50 B illustrates the connection status of the memory set of Figure 50 A.
The optics payment receiver 471 that is installed in the automatically vending system is monitored controller of automatic vending machine 470 through intermediate frequency (I/F) part 477.When trading item occurring in the result of monitoring, CPU 475 detects trading item and it is recorded in the internal storage 476.The memory set 488 that is used to gather trade detail is nonvolatile memory NV-RAM, and shown in Figure 50 B, and its is connected to UART 474 in the optics payment receiver 471 through Memory connector 479.In order to integrate trade detail, the operator of automatically vending system is inserted into Memory connector 479 with memory set 488.The UART 474 that detects memory set 488 connection status is with memory set connection status notice CPU 475.CPU 475 reads the trade detail of record in the storer 476 according to the notice of UART 474, and will read outcome record in the memory set 488 that connects through UART 474.If trade detail is integrated in memory set 488, the operator separates memory set 488 and optics payment receiver 471, and memory set 488 is sent to corresponding settlement management mechanism (card exempted dealers).
Under the situation of above-mentioned mobile collection device, the keeper in the system installation place integrates trade detail and gathers PDA or the memory set of integrating, and directly sends to settlement management mechanism then.Like this, the invention provides the transmission terminal that can transmit the trade detail data of gathering through modulator-demodular unit.
Figure 51 A is the block scheme that adopts the automatically vending system of power lead modulator-demodular unit coupling arrangement.Figure 51 B illustrates the connection status of the automatic vending machine of using in Figure 51 A system in the buildings.
When each device in being included in automatically vending system was installed in each layer of the buildings with some floors, the power lead of buildings provided closed circuit.That is, shown in Figure 51 B, power lead modulator-demodular unit 495 is connected to power supply, and this power supply will be connected to each automatic vending machine 490 (1) in each layer installation ..., the power lead of 490 (N).Like this, be installed in the automatic vending machine 490 (1) of each layer ..., the marketing information that produces among 490 (N) is temporarily stored in corresponding automatic vending machine 490 (1) ..., in the internal storage of the optics payment receiver of installing among 490 (N) (BU) 491.The marketing information of storage is modulated in converter 492, so that transmit and be loaded into power lead 494 through power lead through power lead mixer 493 time.Here, power lead mixer 493 confirms whether exist through the transmission of power lead mixer.When transmission does not exist, use power lead.Therefore, there are not mixing or conflict during the transmission.Simultaneously, be installed in the automatic vending machine 490 (1) of other layer ..., 490 (N) are loaded into power lead through identical process as above with marketing information.Whether the power lead modulator-demodular unit 495 common monitor messages that are connected to power supply separately load in power circuit.When in the result of monitoring when recognizing information, the shunt 496 of power lead modulator-demodular unit 495 begins operation and through modulator-demodular unit 497, by telephone line 498 or antenna 499 marketing information is sent to central server.Like this, automatic vending machine 490 (1) ..., the marketing information of 490 (N) is by in real time or adopt packet processing method to be sent to central server.
The block scheme of the transmission terminal of Figure 52 A is integrated mobile communication modulator-demodular unit.The outside surface of the transmission terminal that Figure 52 B illustrates Figure 52 A mobile communication modulator-demodular unit integrated.This terminal is configured to the trade detail data wireless that will gather through connecting and is sent to the harvester shown in Figure 49 A, Figure 49 B, Figure 50 A and Figure 50 B.
The keyboard 505 of the transmission terminal 500 shown in keeper's application drawing 52B of trade detail in the pack processing, and be provided with that to transmit terminal be account's pattern.The feasible transmission of keeper terminal 500 is arranged to the account's pattern as near the position of the collector of account object, and finishes the communication that transmits between terminal and the collector.The keeper can pass through serial interface unit 501, connects by port and transmits terminal 500 and collector.Transmit the trade detail that terminal 500 is gathered from the collector (not shown) reception as account object of the form of the infrared signal of employing bag through infrared interface unit 502.Under situation about connecting, transmit terminal 500 and receive the trade detail data through serial interface unit 501 by port.Microprocessor 503 will be stored in the internal storage 504 through the trade detail data of infrared interface unit 502 or serial interface unit 501 inputs temporarily.Then, microprocessor 503 is wirelessly transmitted to the central server (not shown) with the trade detail data of storage through transceiver 507.Microprocessor 503 will transmit the result and be presented on the display 506, allow the keeper to discern the Communications service state thus.
Under the situation of said power modulator-demodular unit coupling arrangement or mobile communication modulator-demodular unit array terminal, system should re-construct.Like this, provide a kind of portable phone coupling arrangement, make the trade detail data to reach the most extensive portable phone that has at most and transmit through people.
Figure 53 A is the block scheme that adopts the automatically vending system of portable phone coupling arrangement.Figure 53 B illustrates the connection example of portable phone to automatically vending system.
Shown in Figure 53 B, controller of automatic vending machine 470 is installed in the automatic vending machine front panel, and portable phone coupling arrangement 510 be installed in controller of automatic vending machine 470 below.Cable connector 515 is set in portable phone coupling arrangement 510, and it is connected to the external connection port 517 of portable phone 518 through cable 516.When portable phone 517 is connected to the cable connecting arrangement 515 of portable phone coupling arrangement 510, portable phone is connected process UART 514 be notified to CPU 512.CPU 512 is through I/F part 511 monitoring controller of automatic vending machine 470.If detect trading item, CPU 512 receives trade detail, and it is stored in storer 513.If through UART 514 the portable phone connection is notified to CPU 512, then the connection number of CPU 512 by presetting carries out call through portable phone 518, and transmits the trade detail data of storage in the storer 513.If the trade detail data successfully are sent to calling party, the recorded content of storage in the CPU 512 deletion storeies 513.Here, the telephone number of setting is to be connected to the number of corresponding settlement management mechanism as the central server of card exempted dealers.
In addition, when using portable phone as mentioned above, the present invention can not be applied to the automatic vending machine of installation beyond service area.Therefore, the invention provides the Internet coupling arrangement, it can transmit trade detail through the Internet of no territorial restrictions.
But Figure 54 A is the block scheme of the Internet access device.Figure 54 B illustrates the outside connection status with respect to PC.With reference to Figure 54 B, the Internet coupling arrangement 520 is connected to the Internet by cable can insert PC 526.The Internet coupling arrangement 520 comprises the Memory connector 521 that can be connected to PDA480 or memory set 488, and it is the mobile collection device; And the infrared I/F part 522 that receives the trade detail data of gathering by infrared communication.
The keeper is connected to coupling arrangement 520 by cable with PC 26.Mobile collection device shown in Figure 49 A, Figure 49 B, Figure 50 A and Figure 50 B has Memory connector 521.Memory connector 521 is identified in the trade detail data that mounted memory 488 is gathered in the mobile collection device, and through UART 523 the trade detail data of discerning is sent to CPU524.Coupling arrangement 520 can not need to receive the trade detail data with being connected of mobile collection device through infrared communication.That is, the trade detail data of infrared ray form are adopted in infrared I/F part 522 identifications in the coupling arrangement 520, and are sent to CPU 524 through the result that UART 523 will discern.CPU 524 is sent to the PC 526 that is connected serial port 525 through UART 523 with the data that receive.Enter through the Internet at PC 526 under the situation of central server 527 of corresponding settlement management mechanism, PC 526 will be sent to central server 527 from the trade detail data that coupling arrangement 520 transmits.After transmitting the trade detail data, if data are successfully transmitted, CPU 524 transmits order with the storer 488 deletion record contents from the mobile collection device that connects.Because storer record content is eliminated when the trade detail data of gathering normally are sent to central server 527, so that memory span does not have is occupied a lot.
Under the situation in the place that the Internet is not provided, dialing VAN is provided coupling arrangement, make the trade detail data to transmit through telephone wire.
Figure 55 A is the block scheme that dialing VAN can be pressed into device.But Figure 55 B illustrates the outside connection status of Figure 55 A dialing VAN access device.With reference to Figure 55 B, telephone wire is connected to a side of the coupling arrangement 530 that adopts the box form structure, and provides several connecting holes at the opposite side of coupling arrangement 530, so that connect each several memory set as the mobile collection device.Simultaneously, provide a LED, make and to check current treatment state by each memory set corresponding to each connecting hole.
The keeper connect to want memory set 488 in the processed mobile coupling arrangement to each connecting hole of the coupling arrangement 530 that has connected telephone wire.Be recorded in each memory set 488 from the trade detail data that are installed in the local automatic vending machine collection of difference respectively.CPU 532 transfers data to modulator-demodular unit 533 and it is loaded into telephone wire through UART 531, is sent to central server 527 then.After transmitting the trade detail data, if data are successfully transmitted, then CPU 532 deletes the recorded content of the memory set of handling 488.
When using above-mentioned transmission terminal, optics payment settlement method of the present invention can be applied to motorbus or taxi expense automated collection systems.
Figure 56 is the arrangement plan that adopts the motorbus/taxi expense automated collection systems of optics payment and settlement system of the present invention.System shown in Figure 56 comprises as portable terminal of optics payment unit (MU) 540 and the RF terminal 550 that is used to the expense of gathering.RF terminal 550 comprises the optical transmitting and receiving letter machine 551 that is used to receive and transmit the optics payment information, is used to control the controller of collection cost operation and is used to write down the register 553 of imposing details.Register 553 is with the form separate construction of group.The detailed structure of RF terminal 550 is shown in Figure 57.Figure 56 system comprises the transmission terminal 542 that is connected to register 553, is used for transmitting the collection details to card corporate server 548 through VAN corporate server 546.Here, transmit terminal 542 and use the Internet coupling arrangement shown in Figure 54 or Figure 55 or dialing VAN coupling arrangement.
Ride in a bus or client's defrayment of taxi.Under the situation of optics payment, the user uses the portable terminal 540 as the optics payment unit, and the optics payment information is sent to the optical transmitting and receiving letter machine 551 of RF terminal 550.Optical transmitting and receiving letter machine 551 receives rides in a bus or optics payment information that the client's of taxi portable terminal 540 transmits and the optics payment information that receives is sent to controller 552.Under the situation of existing plastic clip that does not adopt the optics method of payment or IC-card (as transportation card) payment, the client contacts RF cartoon news module 554 to adopt the form transfer card information of radio frequency with corresponding clamping.RF cartoon news module 554 receives the RF card information of transmission and the card information that receives is sent to controller 552.Controller 552 checks whether the card information that receives is effective.If card information is the RF card information, controller 552 is checked the blacklist (B/L) that is stored in B/L data memory module 555, and checks whether card information is effective.If card information is effectively, controller 552 shows the remaining sum of collection cost and card on display 557 through Subscriber Interface Module SIM 556.Simultaneously, under the situation of optics payment, controller 552 does not need the individual inspiration blacklist.Under the situation of optics payment and settlement system, check blacklist as the portable terminal of corresponding optics payment unit.In the optics payment and settlement system, controller 552 shows collection cost and accumulated amount through Subscriber Interface Module SIM 556 on display 557.In addition, controller will be imposed details such as corresponding card information and amount record in register 553.
In order to read the information of above-mentioned record, the Admin Access transmits the place that terminal 542 is installed, and register 553 and RF terminal 550 are separated, and the register that separates is connected to transmits terminal 542 thus.Transmission terminal 542 reads to impose details and will read the result from the register 553 that connects and is sent to VAN corporate server 546.The collection details that VAN corporate server 546 will receive is sent to corresponding card corporate server 548.
Simultaneously, under the situation at subway, charge station or Self-Service station, provide system's central server, it plays a part harvester or transmits terminal, and needn't adopt additional harvester or transmit terminal.The situation of using central server is described below.
Figure 58 is the arrangement plan that adopts the subway expense automated collection systems of optics payment and settlement system of the present invention.System shown in Figure 58 comprises as portable terminal of optics payment unit (MU) 560 and the RF terminal 570 that is installed in the subway mouth.RF terminal 570 comprises the optical transmitting and receiving letter machine 571 that is used to transmit and receive the optics payment information, is used to control the controller 572 of imposing the operation of subway expense and is used to write down the register 573 of imposing details.The detailed structure of RF terminal 570 is shown in Figure 59.The system of Figure 58 also comprises the collection details that is used to be captured in the register 573 that each subway station arranges and it once all is sent to the acquisition server 562 of card corporate server 564.Here, acquisition server 562 is to be used to connect each subway station and they are carried out the central server of central authorities' control.Equally, because the expense difference of each subway section, use bi-directional optical transceiver 571 will be input to portable terminal 560, so that can impose expense accurately leaving subway station about the information that enters subway station.
RF terminal 570 in the setting of subway station entrance and exit is connected to the subway station central server through terminal computer communication module 576.In order to take the subway train, the passenger has used the portable terminal 560 of card information integrated, light-card information is sent to the optical transmitting and receiving letter machine 571 of RF terminal 570.Then, optical transmitting and receiving letter machine 571 is sent to controller 572 with the card information that receives.Controller 572 confirms whether the card information that receives is the valid data of predetermined protocol.If it is an active data, controller 572 is sent to portable terminal 560 through optical transmitting and receiving letter machine 571 with information leaving from station and temporal information.Portable terminal 560 receives the information leaving from station that transmits from optical transmitting and receiving letter machine 571, and it is stored in wherein temporarily.Controller 572 control entrance and exits are opened system and are opened system and take the subway train through entrance and exit to allow the passenger.When the passenger took the subway train and arrives desired destination, he or she used and has stored the portable terminal 560 of information leaving from station, and leaves processing.Here, the information leaving from station entrance and exit that is sent to the arrival station with card information is opened the optical transmitting and receiving letter machine 571 of the RF terminal 570 that is provided with in the system.Optical transmitting and receiving letter machine 571 receives the information leaving from station that transmits from portable terminal 560 and card information and transfers them to controller 572.Controller 572 checks whether the card information that receives is the valid data of predetermined protocol.If it is an active data, controller 572 calculates the expense from Departed Station to the arrival station, and is presented on the display 578 through the accumulated amount that Subscriber Interface Module SIM 577 will calculate the amount of money and/or use.Simultaneously, controller 572 will be imposed details such as card information, transaction data, expense and accumulated amount are recorded on the register 573.
At set intervals, be captured in the trade detail of record in the register 573 of the RF terminal 570 that each subway station installs as the central server 562 of acquisition server.Central server 562 checks whether the trade detail of gathering is matched with the trade detail of record in the register 573.Then, if both couplings, central server 562 is sent to card company 564 and the clearing of the amount of money that uses that requests for permission with trade detail, removes the recorded content of register 573 subsequently.
Certainly, the passenger can use as the subway ticket of another kind of pay bills or use transportation card, as plastic clip or IC-card, makes its contact RF cartoon news module 574 with the clearing payment.
The situation of telephone number as the ID of the batch processing settlement system in automatic vending machine, motorbus or the subway is described below.
Figure 60 is to use telephone number to be used as the schematic diagram of the optics payment batch processing settlement system of ID.
The user who has the portable terminal 890 of integrated optics payment function selects corresponding mobile communication company as transaction with credit management organization, is used to ask the trading activity of batch processing clearing.The user selects the transaction with credit management organization of mobile communication company 898 as the optics menu of portable terminal 890, then by means of the operation of button, adopts ultrared form to be transmitted in the telephone number and the authentication key of registration in the portable terminal 890.Be installed in telephone number and the authentication key of optical receiver 892 receptions of automatic vending machine, motorbus or subway station from portable terminal 890.The authentication key that optical receiver 892 uses the decoding key confirmations to receive, and use the authentication key of confirming confirms that whether the telephone number that receives is the fixed number of input when participating in communication network.If confirm that telephone number is a fixed number, then optical receiver 892 is ratified trading activities and adopts from evaluator subsequently to keep trade detail.Optical receiver 892 adopts ultrared form that trading volume is sent to portable terminal 890.The trading volume that portable terminal 890 accumulations transmit, and in the storer that can control by mobile communication company 898, keep the result who accumulates.Portable terminal 890 can continue to carry out the transaction with credit behavior in the limit that mobile communication company 898 determines.Simultaneously, the operator is sent to collection center 896 with the trade detail of storage.Collection center 896 amounts to the sales data of gathering, and the sales data that amounts to is converted to the purchase data that is used for mobile communication company 898, and the result that will change is sent to mobile communication company 898 then.According to all period interval of payment, mobile communication company 898 clearing purchase datas, and payment credit sales debt is to collection center 896.If the payment of debt is from mobile communication company 898, collection center 896 payment credit sales debts are to each chain store that will be settled accounts.Except communication fee, mobile communication company 898 charges for the credit sales debt that predetermined period is gathered, and determines that the user date of clearing sends bill to the user.Because the user pays the bill expense, so by using telephone number to finish the credit purchase of optics payment and settlement as ID.
Simultaneously, because use the individual quantity of the Internet sharply to increase, it is that ecommerce becomes fast with extensive that the commerce of the Internet is used.User's input card information on the browser that provides of shopping square on the net is provided the settlement system that ecommerce is used, as address name, card number sign indicating number, password and effective date.The present invention is applied to ecommerce, makes can to finish settlement bargain and input card information at every turn.
Figure 61 is the arrangement plan that adopts the e-commerce system of optics payment and settlement system of the present invention.System shown in Figure 61 comprises: the mobile unit 581 as the optics payment unit, have optical transmitter, and be used for transmitting the personal credit information that presets with optical mode; Optical receiver 582 is connected to internet connection terminal computing machine (PC) 583 to finish e-commerce transaction, is used to receive the personal credit information of optics transmission and the credit information that receives is input to PC583; And the payment gateway 585 that is connected to shopping square 584, be used to finish settlement process.Optical receiver 582 only receives the payment information that transmits with infrared ray (Ir) form, and the payment information that receives is sent to ecommerce clearing program.Certainly, comprise the optical receiver of card reader, can selectively receive the payment information and the card information of the infrared transmission of switching method (swapping method) by use.Simultaneously, if the optical relay elementary cell is connected to PC 583 and uses the optical repeater that wherein connects optical receiver, then can selectively receive the infrared payment information and the card information of the switching method that transmits through mobile optical repeater.Here, payment gateway 585 is optics payment (Zoop
TM) special-purpose gateway, and can be by shopping square 584 or independent service company's operation.VAN company 586 and card company 587 are connected to the special-purpose gateway 585 of optics payment.In having Figure 61 system of said structure, process Figure 62 describes the optics delivery operation in the ecommerce especially.
The client enters shopping square 584 and searching products by the computing machine 583 that is connected to the Internet.Then, the client determines bought item and draws up order form.Then, the user selects settlement method and clicks the settlement method of selecting (step 591) for debt clearing on the screen.Shopping square system 584 checks whether user's selection settlement method is optics payment settlement method (step 592).If the client determines to pay by one in other settlement method rather than optics, then settlement process is used the settlement method of determining (step 593).Except the optics payment, also has the settlement method of electronic money, MS card or the like.If payment is the optics payment and settlement, the user uses the portable terminal 581 as the optics payment unit, and card information is sent to the optical transmitter 582 (step 594) that is connected computing machine 583.Because optics payment described above is so omitted detailed description here.User input has only the password that he or she knows and presses settlement button, then by using optical communication method, particularly infrared communication method, the card information of needs clearing is sent to is connected the optical receiver 582 that the Internet connects computing machine 583.Optical receiver 582 receives the card information of transmission and it is converted to the form that can handle in computing machine 583, so that be input to computing machine 583.Computing machine 583 is sent to shopping square system 584 with the card information of input.Shopping square system 584 is sent to the special-purpose gateway 585 of optics payment with the card information that receives.The special-purpose gateway 585 of optics payment that receives card information is finished the decoding and the discriminating (step 595) of the card information of reception.The special-purpose gateway 585 of optics payment checks whether the optics payment and settlement is differentiated (step 596) by authentication server.If differentiated, the special-purpose gateway 585 of optics payment requests for permission to VAN company 586 or direct Xiang Ka company 587.If do not differentiated, then finish settlement process (step 593) by other method of payment.The special-purpose gateway 585 of optics payment is checked identification result (step 597), and check result is sent to the shopping square 584 that transaction produces.When special-purpose gateway 585 notice shopping squares, 584 transaction of optics payment are normally ratified, it will be concluded the business and be given user browser (step 598) by normal approval notification.Then, the product of corresponding client's purchase was paid in the date of payment of determining.If the gateway 585 notice shopping squares 584 that optics payment is special-purpose because relatively poor confidence level, in excess of the quota or illegal use, not during the approval transaction, it will be concluded the business and not go through to notify user browser (step 599).
As mentioned above, optics settlement system of the present invention can be applied to the E-Payment on wireless Internet and wired Internet.
Figure 63 is based on the arrangement plan of the e-commerce system of wireless Internet, wherein adopts optics payment and settlement system of the present invention.The system of system shown in Figure 63 and Figure 61 is with identical structural arrangements.Yet the configuration of Figure 63 system makes through wireless internet protocol, finishes the clearing between optics payment portable terminal 601 and the shopping square system 602.The optics delivery operation based on the wireless Internet ecommerce of Figure 63 system with top structure is described below with reference to Figure 64.
In the ecommerce based on wireless Internet, the client uses terminal (as the portable phone or the PDA that can connect the Internet) as the optics payment unit.The optics payment unit use to be installed the portable telephone terminal of microbrowser (micro-browser), wherein microbrowser be the software program that can buy such as WAP/UP,, ME etc.The client enters the shopping square 602 of wireless Internet through the wireless Internet connectable terminal 601 as the optics payment unit.The menu that the client provides according to shopping square 602 selects to want commodity or the service bought, selects the optics payment and settlement as settlement method then.The client uses as the optical transmitter in the terminal 601 of optics payment unit, and transmits the card information (step 611) that comprises in the terminal with optical form.Here, the client is input to terminal 601 with password.If password is correct, the client can access card information.If incorrect, the client can not use the card information that is comprised.When the client was input to terminal 601 with password and presses transmission button on the menu subsequently, the card information that comprises in the terminal 601 was encoded and is sent to the current shopping square server 602 that is connected wireless Internet subsequently.Shopping square server 602 is confirmed the card information of transmission.If the card information that transmits is normally received, shopping square server 602 will receive the terminal that message sends to the client, if abnormal the reception, shopping square server 602 will retransfer request message to client's terminal 601, and the request message that will retransfer is presented on client's the terminal screen, thus so that whether customer inspection card message is normally transmitted (step 612).If card message is not normally transmitted, the client is the operating terminal 601 and the card information (step 613) that retransfers once more.Normally received if be checked through card information in step 611, shopping square server 602 is sent to the special-purpose gateway 604 (step 614) of optics payment with the card information of coding.Here, it is existing payment gateway service devices separately that optics is paid special-purpose gateway 604, so that except the payment information of handling with general entering method, only deciphers the data of having stored and having encoded subsequently and transmit in terminal.Compare with general payment gateway 603, the reason that optics payment dedicated gateway 604 is provided is because the data that optics transmits are encoded and therefore can not decipher in general payment gateway service device 603.Optics payment dedicated gateway 604 receives through the settlement information of shopping square system 602 transmission and with it and is decoded as initial coding state in the past.Then, optics payment dedicated gateway 604 process discrimination processes are asked the approval (step 615) as the bank 606 or the card company 608 of settlement management mechanism.Here, dedicated network 6005 or 607 X.25 is connected between optics payment dedicated gateway 604 and the corresponding settlement management mechanism 606 or 608.Whether optics payment dedicated gateway server 604 checks that corresponding settlement management mechanism such as bank 606 or card company 608 have ratified (step 616).If ratify, optics payment dedicated gateway server 604 will be paid and finish notice shopping square 602, and will settle accounts to have finished and notify the client (step 617).If the check result in step 616 is not approval, optics payment dedicated gateway server 604 is notified the user to settle accounts through shopping square 602 and is rejected, allows the user to use other settlement method (step 618) thus.
Figure 65 is applied to operational flowchart under the situation in department store in Figure 61 e-commerce system.In being connected to the department store of the Internet, adopt the system of Figure 65 method to transmit the optics payment information in real time through the ecommerce optical receiver 582 that is connected to PC 583, be used to handle different clearing approval projects.
The client really orders the project of buying and selects the settlement method (step 621) of department store sales counter.Whether systems inspection client's selection settlement method is optics payment and settlement (step 622).If client's settlement method is the optics payment and settlement, then the client uses the portable terminal 581 as the optics payment unit, and card information is sent to the ecommerce optical receiver 582 (step 623) that connects PC 583 in the department store.Card information comprises password and clearing order.If client's settlement method is not the optics payment and settlement, the user adopts cash or other method of payment such as magnetic card to finish settlement process (step 624).PC 583 plays Web-POS, and is sent to optics payment dedicated gateway 585 so that request for permission with the card information coding of reception and with it.The state of initial coding before optics payment dedicated gateway 585 will be decoded as through the card information that the Internet receives, and proceed to discrimination process (step 625).Optics payment dedicated gateway 585 checks whether the optics payment and settlement differentiates (step 626) by authentication server.If the optics payment and settlement is differentiated that optics payment dedicated gateway 585 requests for permission to VAN company 586 or direct Xiang Ka company 587.If do not differentiated, adopt other method of payment to finish settlement process (step 624).Optics payment dedicated gateway 585 is checked whether gone through (step 627).If normally ratified, optics payment dedicated gateway 585 notices are through the browser of the Web-POS583 of the Internet connection, and (step 628) normally finished in this approval.If notified normal approval, to client is transferred the product that the client buys in the shopping square.If because relatively poor confidence level, in excess of the quota and illegal use also do not go through, the browser of optics payment dedicated gateway 585 notice Web-POS 583 is not also ratified this transaction (step 629).
Need a discriminating unit so that prevent to use illegally payment information in the optics payment commercial affairs.Shown in Figure 66, the optics payment unit among the present invention, joint operation department store and card company comprise a discriminating unit respectively.Equally, when all these discriminating unit made up mutually, card information can be used as effective payment information.User 631 buys service or commodity in the joint operation department store, and his or she control password is input to the optics payment unit, so that the service or the commodity of payment purchase can prevent that like this other people from entering.The optics that is installed in joint operation department store 632 is paid signal and the concordance list of confirming agreement and the communication mutually that the receiver analysis receives, and controls the service that enters thus.The joint operation department store ID that the credit card inquisitor of installing in the joint operation department store 633 will be distributed in joint operation department store 632 is added to credit information, the credit information that will increase joint operation department store ID then is sent to card company 634, and has the power that ratifies a motion of distributing to joint operation department store 632.The card number sign indicating number that card company 634 will transmit through credit card inquisitor 633 and VAN network is compared with the identify that transmits with the card number sign indicating number, judges that thus whether this card is the card of card company 634 distribution and so has the power of approval.The optics payment dedicated gateway 635 that exists between card company 634 and joint operation department store 632 comprises from differentiating to have discriminating power for the optics payment and settlement by form.
As the portable terminal of optics payment unit, the password that wherein is used for user's discriminating may be exposed to other people.Therefore, combinations such as this password and user's biometric information such as iris, face, footprint, sound.The user's discriminating that describes below among this embodiment accesses to your password and the facial recognition data.
Figure 67 A and Figure 67 B are respectively the synoptic diagram that is used for describing at first in the processing of portable terminal registered user face data.Portable terminal 641 shown in Figure 67 A is connected to camera 642 and is used for taking a picture to the user.Portable terminal 641 comprises a program, be used for extracting face data from the user images of camera 642 photograph and acquisition, and the face data that storage is extracted is compared the face data of storage then with the individual's who uses portable terminal face data.
In Figure 67 B, the user operates the menu on the portable terminal 641 (as portable phone and PDA), and portable terminal 641 is set to the password input pattern.Under the password input pattern, the password that the user will be used to visit his or she payment information is input to portable terminal 641 (step 641).After the input password, the user re-enters portable terminal 641 (step 641) with password.If the password of twice order input mates mutually, portable terminal 641 proceeds to the face data input pattern automatically.In the face data input pattern, the user is with approaching camera 642 and the selection ACK button (step 643) that is connected to portable terminal 641 of his or she face.If selected ACK button, portable terminal 641 takes a picture for user's face through cameras 642, and subsequently the face of taking a picture is finished indication with one and be presented at (step 644) on the screen.Unsatisfactory if take a picture, the user presses cancel button and finishes the face data input process once more.
Describe below through above the user that imported under the situation of portable terminal 641 of face data of process differentiate.
Figure 68 A is used for explaining that portable terminal 641 users that comprise face data differentiate the synoptic diagram of processing.Figure 68 B is used for explaining that the portable terminal user who comprises face data differentiates the process flow diagram of processing.
The user selects settlement mode and presses ACK button subsequently in portable terminal 641, so that visit his or she payment information (step 651).If select portable terminal 641 at settlement mode, shown in Figure 68 A, show a message, be used to ask the user on screen, to input password.Here, the user inputs a password.Then, portable terminal 641 shows that on screen a message approaches camera 642 with the request user with his or her face, to be used for face recognition.Then, the user approaches his or her face camera 642 and presses ACK button subsequently.If press ACK button, portable terminal 641 drives camera 642 and driver, with user's face is taken a picture (step 652).When the photograph finished user's face, the face data of picked-up analyzed and compare (step 653) with user's face data of initial registration.Here, if probable error relatively in about 30% scope, the face data of picked-up is handled equally with the face data of previous registration.Its reason is according to user's age or situation, and the data of extracting from the face shape have some errors.Like this, though avoided the user be above-mentioned that people he or she be not identified as above-mentioned that people's situation.If finish my discriminating through top process, then finished visit to the payment information that comprises in the portable terminal 641.Under about 30% situation, select step to finish this program from initial menu in error once more.Then, more than three times under the unmatched situation, payment message is by the report that stops automatically and submit to corresponding portable terminal to lose at face data.
The other service that is used for optics payment and settlement system of the present invention is described below, as the change of card information, the termination of card/stop/losing, and trading halt.
Figure 69 illustrates the card information change service system that is provided with in the optics payment and settlement system of the present invention.Figure 70 is the process flow diagram that Figure 69 card information of being provided with in the optics payment and settlement system of the present invention changes service system.
If the change reason of card information takes place, receive the change on ground as address, password, contact address and bill, card member 661 is by phone, block company 663 accordingly or repeater 662 asks to change card information (step 671) through wired or wireless the Internet or by direct visit.The repeater 662 confirmation request applicants that receive the card information modification application are my data of card member 661, and confirm the card information that will be changed content and will be by the card company of change card.Through the dedicated line with respect to above-mentioned card company 663, repeater 662 applications are by card member's 661 agency's card information change (step 672).Here, repeater 662 is sent to card company 663 with authentication data such as cryptopart, park number and the last sale approval details that need are used to discern above-mentioned individual with the card information modification application.Card company 663 adopts my authentication data that transmits from repeater 662, and whether the application that check receives is the application of being done by above-mentioned individual.Under the situation of the corresponding card of 661 couples of members of card company application change card information, card company 663 receives my authentication data from card member 661.If having checked the applicant is the person in charge, the card information with the card information that will be changed compare (step 673) of card company 663 in will member's computerize chart of registration in card corporate server 663.In the comparative result of step 673, if both card informations are consistent with each other, card company 663 notice repeaters 662 do not have the content of change in card information.The content of announcement that repeater 662 adopts the form of wireless data format will block company 663 is sent to card member 661.In the comparative result of step 673, if two card informations are mutually internally inconsistent, card company 663 changes the card information content (step 674) on member's computer recording chart according to member's request.When the card information change is finished, card company 663 notice repeaters 662, card information has been finished change.Repeater 662 is sent to the message of " the card information change is finished " corresponding card member's the alternative portable phone (step 675) of card according to the notice of card company.Finish message by the alternative portable phone display card information-change on its screen of card that the card member carries, and notice subscriber card information has changed (step 676).Like this, when other people attempted unlawfully to change card information, the card holder can confirm illegal card information change.
Simultaneously, make the card holder be registered as relatively poor confidence level owing to blocking to be stolen or lose, perhaps card uses under the situation of debt, needs time-out to block transaction.In this case, there are two kinds of existing methods to be used for checking the card trading halt.A kind of method is to suspend the card transaction at needs, and if receive from the card trading approving request in joint operation department store then check under the situation of whether suspending card, suspend them as required and manage blacklist (B/L) information with the transaction of card corporate server.Another kind method is by Wireline, downloads blacklist (B/L) information from card company with the form of bag, and at subway or motorbus between the operating period, the B/L information stores of downloading is received in the card reader of ticket place or the place's installation of motorbus receipts ticket at subway, then the card information of input is compared with the B/L information of storage.In these methods, take a long time and check B/L, and increase the weight of the burden of subway or motorbus card reader storage B/L data.Like this, under needs are suspended trading the situation of card, card company is sent to portable phone as the optics payment unit with trading halt information with the wireless data format of using mobile telecommunication method, and the trading halt information registering to portable terminal, is prevented that thus portable phone is used as the optics payment unit.This processing is shown in Figure 71.
Figure 71 illustrates card trading halt of the present invention system.System shown in Figure 71 comprises card member 681, card company 682, repeater 683 and mobile communication network 684.Card member 681 buys portable radio communication terminal (as portable phone and PDA) and is used for financial settlement, and participates in being the card member in the card company.Card company 682 comprises each company of each distribution direct payment card, prepaid card, credit card and electronic money.Repeater 683 is companies, and it offers card member 681 according to card member's 681 agreement with card information and other Financial Informations, and wherein repeater 683 is signed a contract with card company 682 and other Financial Management mechanisms.Mobile communication network 684 is the contracts that are used for by between mobile communication company and the repeater 683, through dedicated line, data is sent to the specific wired or wireless communicating terminal of repeater 683 appointments from repeater 683.Below with reference to Figure 72 and Figure 73, describe the operation of registration B/L data in this system in detail, the terminal that is used for carrying the card member is registered the trading halt of the card with trading halt reason and is suspended trading.
Figure 72 is the process flow diagram that is used for explaining the card B/L of Figure 71 system register method.Figure 73 is the process flow diagram that is used for explaining Figure 71 system card trading halt method.
If client's application to set aside card or stop card (step 691), or in the credit results estimated of card company 682, be registered individual's (step 692) of the relatively poor credit that is called B/L people, judge then whether this card is the card (step 693) that is comprised among portable phone or the PDA.If in the judged result of step 693, this card is included in the card in the portable terminal, card company 682 determine to have comprise the telephone number (step 694) of the portable terminal of card, card suspends the information via dedicated line and is sent to repeater 683 (step 5).Repeater 683 is visited corresponding portable terminal 681 through mobile communication network 684 by the telephone number of confirming, and transmits trading halt information (step 696).Here, trading halt information transmits with wireless data format.Corresponding portable terminal 681 receives the trading halt information, and registration B/L data are in the storer that is wherein comprised or the card information of storing in the detachable IC-card (step 697).The portable terminal 681 that receives trading halt information sends to card company 682 with response signal, makes card company 682 can judge whether trading halt information is normally imported.Card company 682 judges whether trading halt information normally imports (step 698) in portable terminal 681, if trading halt information is input normally not, card company 682 repeats to finish the step from step 695 beginning, makes that card trading halt information is retransferred.Simultaneously, if card is not a portable card in the judged result of step 693, card company 682 handles (step 698) with the same way as existing card.That is, card trading halt information is registered in card company approval server.
With reference to Figure 73, be described in detail in the card that is registered as the B/L data on the portable terminal 681 and substitute between the operating period method that is used to suspend trading.
Press the credit card use button of portable terminal 681 and transmit credit information when card substitutes portable terminal 681 holders, so that during the payment services expense (step 701), the controller of portable terminal 681 confirms whether this card is registered as B/L card (step 702).If this card is registered as the B/L data, the controller of portable terminal 681 is refused transaction (step 704) and is finished program by show error message on the display screen of portable terminal 681.If this card is not registered as the B/L data in the result of step 702, the card information that portable terminal 681 will comprise is sent to card information receiving unit (step 703), and finishes this program.
Trading halt method above adopting, in need not ratifying the petty cash transaction that exchange finishes, promptly, during using credit card with portable terminal, traffic transaction (as turn pike, motorbus, subway and parking lot), automatic vending machine and money of small denominations ecommerce in the various facilities are finished B/L and are checked in the alternative portable terminal of card.Therefore, the processing speed that card substitutes portable terminal than in card reader one by one relatively with the form of bag, to download the B/L data conditions by Wireline from card company fast, and the operating cost of the former system is more cheap than the latter.
Figure 74 is that the card that is provided with in the optics payment and settlement system according to the present invention is lost the arrangement plan of service system.Figure 75 is used for explaining that the card of Figure 74 loses the process flow diagram that service system is operated.
If the card member is because mistake or lost card is because of carelessness perhaps forgotten the kind or the number of the card that he or she has, but recognize that card lost (step 721), the card member announces that to repeater 712 card loses (step 722).Repeater 712 capturing materials are the details of a part of password, park number (residence number) and nearest approval, to confirm that the individual who announces is the card owner who loses the reality of card.Repeater 712 extracts the card number sign indicating numbers, and the date of expiration of this number, park number and issuing among based on capturing material did not have expired in all card number sign indicating numbers of corresponding card member.The card that the card member does not lose in the card number sign indicating number that extracts, repeater 712 will represent that through dedicated line information and my authentication information that card has been lost are sent to card company 713 (step 723).My authentication information in the information that card company 713 confirms to receive confirms that thus the card holder is real card owner.In this case, card company 713 will be recorded in Computer Database 714 owing to the trading halt that card is lost, and the information of record is sent to repeater 712 (step 724).The trading halt information that repeater 712 will receive from card company 713 is sent to the wireless terminal 711 (step 725) by card member appointment with wireless data format.Wireless terminal 711 will be finished and be presented on the display screen owing to the trading halt of losing, and make the card member see that card is lost to be announced and processed (step 726).If content displayed is incorrect, the card member seeks help from card company 713 or repeater 712 (step 727).
Like this, if because card is lost and finished the card trading halt, the payment information that then stops the portable terminal to lose transmits.Simultaneously, can stop the communication function of portable terminal, make that thus this portable terminal is disabled by communication company.
In addition, announcing that card is lost or be not easy to be accepted that although the card member has applied for seeking help, this leads to a dispute by card company by the illegal use of the card that takes place before stealing.In order to prevent this controversial issue in advance, advised a kind of method in the present invention, by using the different payment information that comprises in the portable terminal, trade detail is sent to the user-portable terminal.
Figure 76 is to use the arrangement plan of the application specific details of the wireless transmission system that optics payment and settlement system of the present invention provides.Figure 77 is the process flow diagram of application specific details operation that is used to explain the wireless transmission system of Figure 76.
The client buys commodity or service (step 741) in the joint operation department store, and transmits the payment information that is used for the optics clearing.Then, the request that will ratify of card inquisitor 732 sends to card company 733.Card company 733 checks the residue limit and the trading halt of the card that ratifies a motion.If normal, the signal of approval is sent to card inquisitor 732 (step 742).Simultaneously, card company 733 confirms whether the member of the request card number sign indicating number of approval is member's (step 743) of application wireless receiving approval details.If confirming the member of card number sign indicating number is not the member that application receives the approval details, then finish this program.If confirming the member of card number sign indicating number is the member that application receives the approval details, and this approval is the approval of first generation after the approval application, confirm whether the card number sign indicating number is the owner of wireless data transceiving letter machine 731 as portable phone, PDA and beeper, the card member wishes to receive approval details (step 744) by wireless data transceiving letter machine through the dedicated line that is connected to mobile communication company 755.If confirm that the card member is the owner of mobile data transceiver 731, card company 733 partly is sent to repeater 734 (step 745) through dedicated line with the details of approval as selling time of origin, sales volume, joint operation department store title and card number sign indicating number.Repeater 734 uses the communication network 736 of mobile communication company 735, and will transmit from the approval details that card company 733 transmits by Email or by wireless transmission method.Specify the wireless data transceiving letter machine 731 of the details that receives approval to receive by Email, wireless data transfer method or WAP and record approval details (step 747) by the card member, the details that shows approval on screen is to receive the affirmation (step 748) from the card member.If the details of approval is sent to his or her radio data transceiver 731, though he or she does not use this card, the card member is illegal sale to repeater 734 or this sale of 733 complaints of card company, and suitable action (step 749) is taked in request.If this complaint (appeal) is suggested, repeater 734 is sent to card company 733 with complaint information at once.Card company 733 institutes an inquiry the complaint (step 750) of reception.
In addition, the present invention provides a system, and all buy the relevant amount of money optics payment unit for rental and clearing.If it is just more effective that the rental service of optics payment unit is applied to the service of business district such as theme park.
Figure 78 is to use the present invention to rent the block scheme of the settlement system of type optical payment unit.System shown in Figure 78 comprises optical transmitter 750, be used to register the counter terminal of renting and returning 754 of optical transmitter 750, be used to import the computing terminal 760 (optical receiver 762 wherein is installed) of trading volume and be used to confirm from the intrinsic number and the trading volume of computing terminal 760 inputs and the principal computer 752 of finishing the clearing of trading volume.Here, optical transmitter 750 is used the IC chip of wherein registering fixed number, and the intrinsic number translated that will register in the IC chip is a light signal.Transmit this light signal then.Equally, optical transmitter 750 is constructed to portable size, so that the user carries it easily.Computing terminal 760 is positioned at the computer board of the restaurant or the stall of sale of foodstuffs or commodity, and is connected to optical receiver 762.Counter terminal 754 is installed in the entrance and exit of Entertainment field etc., perhaps in the predetermined place of Entertainment field, and is connected to optical receiver 756 and card reader 758 to confirm credit card information.Describe the operation of the settlement system of renting the type optical payment unit of using the Figure 77 that disposes above having below with reference to Figure 79 in detail to Figure 82.
If when the user enters Entertainment field such as theme park or zoo or after entering there, the user wishes to use optics settlement system of the present invention, the user is to the sales counter of renting of renting optical transmitter 750 that is positioned at entrance and exit or park, and optical transmitter 750 (step 761) is rented in request.The settlement method (step 762) that the user can select him or she to wish, it is to place the predetermined amount of money in advance that a kind of type of prepaying is wherein arranged, and uses the Card Type of credit card as settlement method in addition.The amount of money that if the user selects the settlement method prepay, user to place in advance will be consumed and guaranty money's (step 763) of optical transmitter 750.The office worker of sales counter selects a kind of in the different optical transmitter 750 that keeps, and the intrinsic number of registering in subsequently will be in the optical transmitter 750 integrated IC chip is sent to the optical receiver 756 that is connected counter terminal 754.Optical receiver 756 receives the intrinsic number that transmits from optical transmitter 750, and it is outputed to counter terminal 754 (step 764).The office worker places and can consume the intrinsic number of amount to optical transmitter 750 in advance with keyboard input user, and it is imported into counter terminal 764 (step 765).Then, corresponding optical transmitter 750 becomes the initiate mode that the user can use, and is imported into principal computer 752 with keyboard input-value.The office worker confirms operable state through counter terminal 754, and subsequently optical transmitter 750 is rented to the user (step 766).
If select the credit card payment method step 762 user, the credit card that carries offers office worker's (step 767) of sales counter.The office worker puts credit card into be connected counter terminal 754 card reader 758, and user's credit card information is registered to counter terminal 754 (step 768).Then, with as the same way as of prepayment settlement method, the intrinsic number that will rent user's optical transmitter 750 is input to counter terminal 754 (step 769), and makes intrinsic number and credit card information be complementary (step 770).Then, corresponding optical transmitter 750 becomes upstate, and state value is imported into principal computer 752.Then, the office worker confirms input results, and optical transmitter 750 is rented to the user (step 766).
Figure 80 is the process flow diagram that is used to explain the settlement process of Figure 78 system.
When the user rented optical transmitter 750 and wishes the restaurant subsequently or buy commodity, the office worker in restaurant or department store was typed into computing terminal 760 (step 771) with dealing money.Then, the user is sent to the optical receiver 762 that is connected computing terminal 760 with the intrinsic number of the optical transmitter 750 of carrying, and makes intrinsic number be input to computing terminal 760 (step 772).The intrinsic number that principal computer 752 receives from the moneytary operations amount and the optical transmitter 750 of computing terminal 760, and check settlement method (step 773).If settlement method is the prepayment type, principal computer 752 deducts dealing money from operable amount, and the dealing money (step 774) of transaction currency.Principal computer 752 outputs to computing terminal 760 with operable residue amount, and computing terminal 760 shows operable residue amount and exports a receipt (step 775) simultaneously.If settlement method is a Card Type, the amount (step 776) of principal computer 752 accumulation moneytary operations amounts and clearing accumulation.Principal computer 752 outputs to computing terminal 760 with current total moneytary operations amount, and computing terminal shows total moneytary operations amount and exports a receipt (step 777) simultaneously.
Figure 81 is the process flow diagram that is used to explain that the return of optical transmitter 750 is handled.When the user who rents optical transmitter 750 departs from the main subject the park, the optical transmitter 750 of renting is returned.The office worker who rents and return sales counter receives user's optical transmitter, and subsequently the intrinsic number of optical transmitter 750 is sent to be connected counter terminal 754 optical receiver 756 with input return state (step 781).Then, select settlement method (step 782).Under the situation of prepayment settlement method, principal computer 752 is confirmed remaining amount of money in corresponding intrinsic number according to the return signal of input, and the result that will confirm outputs to counter terminal 754 (step 783) subsequently.The residue amount of money that the office worker will confirm and the guaranty money of optical transmitter 750 return to the user, and signal is finished in return are sent to principal computer 752 (step 784).Principal computer 752 is finished signal according to return and is adjusted return database (step 785).Simultaneously, under the situation of Card Type, return is handled much simpler than the processing of prepayment type.Principal computer 752 outputs to counter terminal 754 (step 786) according to the return signal of input with total transaction currency amount of corresponding intrinsic number), counter terminal 754 is automatically exported a credit card bill (step 787) corresponding to total dealing money.The return state (step 750) of expression optical transmitter 750 on the card bill.Here, principal computer 752 is adjusted at once and is returned database (step 785).
Figure 82 is the process flow diagram of not returning processing that is used to explain optical transmitter 750.When all participants leave and preset time out-of-date, principal computer 752 will be rented database and compare with the return database about the optical transmitter 750 of renting, and confirm not return the inventory (step 791) of optical transmitter 750.Then, check settlement method (step 792).Under the situation of prepayment type, the residue amount (step 793) of the intrinsic number of optical transmitter 750 is not returned in principal computer 752 affirmations, and corresponding intrinsic number is registered in prepayment type obliterated data storehouse (step 794).Then, when not returning optical transmitter 750 by return (step 795), the residue amount of registering in prepayment obliterated data storehouse is returned (step 796), and adjusts and return database (step 797).Under the situation of Card Type, principal computer 752 confirms not return the last trade amount (step 798) of intrinsic number, and the amount of money of optical transmitter 750 is added to the dealing money of affirmation, and adjusts Credit Statement (step 799).Then, principal computer 752 is registered in corresponding intrinsic number in the Card Type obliterated data storehouse (step 800).If the optical transmitter of losing 750 is returned (step 801), then only give back the payment amount (step 802) of optical transmitter 750, and adjust and return database (step 797).In order to reduce the not return of optical transmitter 750, operable method is basis and the contract of renting the user, should pay the predetermined fine amount of money under not return situation.
The above-mentioned principle of renting can expand to external use and domestic use.Though the system of this realization optics payment settlement method is not described particularly, those skilled in the art can understand it according to the present invention.
Simultaneously, though only described the foregoing description with reference to financial transaction system, the present invention can also be applied to require the system of entrance and exit safety management, as company or Government Office.Conventional entrance and exit security system is mainly used noncontact type RF-ID card.Conventional non-contact RF-ID card depends on the import element, and the size of the maximum data that can store is restricted to 96.Conventional non-contact RF-independent device of ID card request is used for issuing card.In addition, in order to pass in and out the different office of the turnover of controlling people, the as many card of quantity of the office that people will carry in addition and pass in and out.Like this, the present invention will comprise that the identification information of the department of name, employee's number, service is input to personal portable terminals, as comprise the portable phone and the PDA of optical transmitting and receiving letter machine.The portable terminal that comprises identification information is as the person identifier unit, and it substitutes the card that is used for the entrance and exit security system.
Figure 83 is the schematic diagram that enters/leave security system of optical transmitting and receiving letter machine used according to the invention.System shown in Figure 83 comprises the optical transmitting and receiving letter machine 800 and the inlet/outlet optical receiver 810 that is connected to inlet/outlet as the person identifier unit, and optical receiver 810 is used to receive the intrinsic ID that transmits with optical mode from optical transmitting and receiving letter machine 800.Intrinsic ID is an identification information.Controller 820 is connected to optical receiver 810, and the necessary information of inlet/outlet door identification information is added to the intrinsic ID of reception, and the result that will add is sent to central controller 822 thus.Central controller 822 comprises controls database, and has wherein registered about being allowed to visitor's intrinsic ID.Through Figure 84 and Figure 85 the operation with the control inlet/outlet in Figure 83 system that disposes is above described below.
User's inlet/outlet information should be input to central controller 822, so that enter and withdraw from the inlet/outlet door.In this was handled, optical transmitting and receiving letter machine 800 pointed to the optical receiver 824 that is connected to central controller 822, transmitted the intrinsic ID of input in the optical transmitting and receiving letter machine 800 subsequently with optical mode.Optical receiver 824 receives the intrinsic ID that transmits from optical transmitting and receiving letter machine 800, and it is sent to central controller 822.The intrinsic ID that central controller 822 will transmit is registered in the database.
In the state of having registered intrinsic ID, the visitor operates as the menu on the portable terminal 800 of person identifier unit, and selects inlet/outlet pattern (step 811).After selecting the inlet/outlet pattern, the visitor operates the keyboard on the portable terminal 800, according to the request input password (step 812) of password input.If input password, portable terminal 800 are converted to inlet/outlet information transfer mode.Transmit button (step 813) if the visitor presses under inlet/outlet information transfer mode, the optical transmitting and receiving letter machine of inlet/outlet information via portable terminal 800 is transmitted with optical mode.If the inlet/outlet information that optics transmits is the information that is registered in the database of central controller 822, the inlet/outlet door is opened and allows to enter (step 814).If password bad or inlet/outlet information and the information inconsistency of registering are in advance then restarted from the step of step 811 beginning.
Simultaneously, if receive inlet/outlet information (step 821), the optical receiver 810 that is installed in the inlet/outlet door is deciphered the information that is received, and the result that will decipher subsequently is sent to controller 820 (step 822).Controller 820 will comprise that the necessary information of inlet/outlet identification information is added to the information of reception, make that whether the information that can discern reception is the information that transmits from which inlet/outlet door, and the result that will add is sent to central controller 822 (step 823).Whether central controller 822 search database and the information that judge to receive are the personal information (step 824) that the inlet/outlet of registering in database allows.If the user is unregistered individual, central controller 822 is held fire for input information, and the inlet/outlet door is not opened like this.If the user is the individual who is registered and is allowed to come in and go out, central controller 822 with the inlet/outlet opening signal be sent to corresponding to transmit inlet/outlet information the controller 820 (step 825) of inlet/outlet door extremely.The controller 820 that receives the inlet/outlet opening signal is opened inlet/outlet door (step 826) by the electricity operation.
There is optical transmitting and receiving to believe in combination and adds the function of the monetary value of storage or transmission reality in the portable terminal of machine, so allow portable terminal to provide and take out monetary value by cash input and output machine (ATM) or other people's portable terminal in real time.Than outside, as user during at general department store payment transaction currency, preferably, monetary value can be in real time be sent to sellers' portable terminal or be connected to the card reader of optical transmitting and receiving letter machine from my portable terminal.
Figure 86 is the arrangement plan that transmits the electronic-monetary system of instantaneous value of the present invention.The user who connects the portable terminal 830A of optical transmitting and receiving letter machine adopts the form of electronic money, receives predetermined amount of money from the cash register 840A that connects optical receiver 842.The electronic money that the user will receive in portable terminal 830A is sent to other cash register 840B or other people's portable terminal 830B or connects the card reader 860 of optical receiver 862 in the department store.
At first, the situation of extracting electronic money from cash register 840A is described.
Figure 87 illustrates the configuring condition of display screen when from cash withdrawal machine 840A (as ATM) extraction electronic money.Figure 88 is the process flow diagram that is used for explaining the operation when from cash withdrawal machine 840A (as ATM) extraction electronic money.
The user goes up at Figure 87 menu screen (a) of my portable terminal and selects cash register 840A (step 851).Then, on the screen of portable terminal 830A, show a message, the password of request as shown in the screen (b) of Figure 87.If the user inputs password, portable terminal 830A checks whether the password of input is correct password (step 852).If the password of input is correct, portable terminal 830A shows a message, and the screen (a) that is used at Figure 87 is gone up the type of selective extraction.Shown in the screen (c) of Figure 87, the user selects the extraction type of required cash and electronic money (as wireless clearing (zoop) currency).Portable terminal 830A checks the extraction type (step 853) that the user selects.Here, if the user selects the cash type, in identical process, extract cash as the existing ATM using method.That is, if select cash, portable terminal 830A is sent to ATM840A (step 854) with payment information and connects the ATM 840A of optical receiver 842 through optical receiver 842 reception payment informations.The ATM 840A that receives payment information shows request extraction amount of money on screen.The user is according to the required amount of money (step 855) of instruction input of ATM 840A, and wait is up to the processing (step 856) of finishing approval.Here, the input amount of money of ATM 840A explicit user on screen is so that the user confirms the operation in content displayed and the display process.Pay the corresponding monetary amount in cash after the ATM 840A approval process, and make the user extract cash (step 857).If in step 853, the user selects electronic money, and ATM 840A inquiry user wishes how much receives.The user manually imports required amount of money (step 858) at ATM840A, and waits for.ATM 840A shows the message of handling on screen, and shows on screen that subsequently transmission preparations finish message.Then, the currency that shows on the menu of the portable terminal 830A that the screen (d) of Figure 87 illustrates of user is pressed " execution " button in receiving and selecting.Portable terminal 830A checks that currency transmits executive button whether be pressed (step 859).When " execution " when button is pressed, be sent to portable terminal 830A with the as many currency of input amount of money from ATM 840a input.Here, on the screen of portable terminal 830A, show successively and receive, finish receiving and transmit amount of money.Simultaneously, demonstration transmits and finishes message on the screen of ATM 840A.The user confirms the amount of money (step 860) in reception after ATM 840A transmits monetary value.Here, if the currency that receives is correct, then finish the transmission of monetary value.If the currency that receives is incorrect, then its transmission restarts from initial step.
Electronic money exchange between the portable terminal is described below.
Figure 89 illustrates the configuration of display screen when electronic money exchanges between portable terminal.Figure 90 is the operational flowchart that is used to explain when electronic money exchanges between portable terminal.
Shown in the screen (a) of Figure 89, supplier and recipient select cash to transmit respectively on the menu screen of portable terminal 830A or 830B and cash receives (step 891A or step 891B).Then, portable terminal 830A or 830B display screen make and can select transmissible object in the portable terminal of settling accounts phone as " zoop " on the screen (B) of Figure 89 and ATM.Supplier and recipient use portable terminal to bring in and select transmissible object (step 892A or step 892B).If select transmissible object, corresponding portable terminal 830A or 830B shown in Figure 89 display screen (c) with the inquiry password.If supplier and recipient input corresponding password, whether correctly portable terminal 830A or 830B check input password (step 893A or step 893B).If the input password is correct, the amount of money (step 894A) that supplier's input will be transmitted.Here, the recipient waits for and receives currency (step 894B), and portable terminal 830A goes up demonstration reception wait at the screen shown in Figure 89 (d).If the amount of money that input is sent, supplier's portable terminal 830A makes that at screen display selecting currency to transmit carries out.Carry out if select currency to transmit, supplier's portable terminal 830A is sent to electronic money and waits for the recipient's portable terminal 830B (step 895A) that receives simultaneously.Here, receiver portable terminal 830B receives the electronic money (step 895B) that transmits.Transmitting and reception period, the screen (e) of each supplier's portable terminal 830A and recipient's portable terminal 830B such as Figure 89 is shown in and shows on the screen that expression transmits and accepting state.Supplier's portable terminal 830A and recipient's portable terminal 830B check respectively and transmit and finish receiving (step 896A and step 896B).If transmit and finish receiving, the currency that transmits and receive is shown and confirms amount of money (step 897A and step 897B).In this case, remaining currency is shown together.In this state, press ACK button to end the electronic money exchange.
The electronic money payment that uses portable terminal in general commerce is described below.
Figure 91 illustrates the arrangement plan of the display screen of the electronic money payment situation of using portable terminal.Figure 92 is the process flow diagram that is used to explain the operation of the electronic money payment situation of using portable terminal.
When the user who has the portable terminal 830A that comprises electronic money buys commodity or service in the department store, and when wanting subsequently to adopt the electronic money payment transaction currency, shown in the screen (a) of Figure 91, the user selects cash transmission (step 901) on menu.If select cash to transmit, shown in the screen (B) of Figure 91, portable terminal 830A shows the inquiry password on screen.When the user inputed password, whether correctly portable terminal 830A checked password (step 902).If password is correct, the screen of portable terminal 830A such as Figure 91 (c) is shown in and shows the inquiry transmission object on the screen and check the transmission object of selecting (step 903).Here, the user selects POS as transmission object.If transmission object is POS, shown in the screen (d) of Figure 91, portable terminal 830A shows that request transmits currency and current amount of money.The currency (step 904) that the user transmits in portable terminal 830A input.If the currency that input transmits, portable terminal 830A show the inquiry shown in the screen (e) as Figure 91 and whether have carried out the currency transmission on screen, and whether inspection carries out currency transmission (step 905).If the user presses executive button, portable terminal 830A is sent to the optical receiver 862 that connects corresponding sowntown credit card inquisitor 860 with the electronic money amount, and goes up demonstration at the screen shown in Figure 91 (f) and transmit.If finish transmission, portable terminal 830A shows the currency that transmits shown in the screen (f) of Figure 91, and confirms the currency (step 906) of transmission.If the user selects cash to confirm,, on screen, show the residue amount of money after paying for the currency of confirming to transmit.
Commercial Application
As mentioned above, optics payment transceiver of the present invention and its optics settlement system of use comprise credit information in the portable terminal that is connected with optical transmitting and receiving letter machine, and adopt ultrared form to transmit credit information.Therefore, can realize a kind of simple and safe transaction system.Under the situation of a large amount of transactions with credit that require password, receiver receives password and uses it.Therefore, do not leak the risk of individual payment information.In addition,, and adopt the credit information of infrared ray form transmission to be sent to inquisitor, in the time can carrying out credit card trade, do not need credit card is offered the office worker because optical receiver is connected to the credit information inquisitor.Therefore, can fundamentally prevent the illegal use of credit card information.And, by movably repeater and device, can settle accounts away from the position of credit card inquisitor.Under the situation of the automatic vending machine that can not settle accounts in real time with credit card, payment information is stored and is gathered at preset time point, so that handle with the form of bag.Therefore, even in the occasion of not using card, also can construct a transaction with credit environment.Like this, it is minimum that the inconvenience that the present invention carries card or cash with the user reduces to, and can prevent because the losing, steal and damage the risk of being brought of card.In addition, the present invention is applied to finish most of occasions of financial transaction, impose in the paying and electronic money at system, charge station's Fare Collection System, Self-Service station as purchase order system, restaurant, refuelling station, department store, ecommerce, automatic vending machine, subway or motorbus expense in general commerce, the speed of driving, and, accelerate current transaction thus for the user provides convenience.In addition, the present invention can be applied to require the inlet/outlet security system and the financial transaction of person identification.In addition, when whether identification is that this man-hour makes up password and biometric data, so that the payment information that comprises in the visit portable terminal.Like this, fundamentally prevented the visit of unauthorized individual, therefore strengthened security for individual payment information.In addition, aspect the card trading halt, card reader is downloaded blacklist from card company with the form of bag, and the credit information of input is compared with the blacklist of storage.If the card information of input is not carried out the optics delivery operation in portable terminal on blacklist.Therefore, the present invention is faster aspect the blacklist processing speed, and more cheap on system operation cost.In addition, the cost that is used to issue plastic clip can continue to reduce.
The invention is not restricted to the foregoing description.It should be apparent to those skilled in the art that the scope that to carry out many changes and modification and not deviate from spirit of the present invention and additional claims.
Claims (5)
1. an optics payment transmitter makes at the optical transmitting and receiving letter machine equipment that is used for paying
With, this optics payment transmitter comprises:
Storer is wherein stored subscriber card information;
Optical transmitting and receiving letter machine is used for sending and receiving card information with optical mode;
Control knob is used to control the optics delivery operation, and described button has the wholesale monetary settlement button that is used to send card information and need not inputs the petty cash settlement button of password and be used to send password and card information;
Controller is used for according to the user button operation, sends card information so that finish clearing with optical mode; And
The display of display optical delivery operation state, wherein, this optics payment transmitter is constructed to Miniature Portable Unit.
2. optics payment transmitter as claimed in claim 1, wherein, described mancarried device be portable phone, PDA, key chain, clock and watch and electronic memo one of them, its structure can be stored described card information, and the card information of being stored is sent as optical signalling.
3. optics payment transmitter as claimed in claim 1, wherein said optical transmitting and receiving letter machine adopts ultrared form to transmit and receive described card information.
4. optics payment transmitter as claimed in claim 3, wherein, described optical transmitting and receiving letter machine comprises:
The infrared light receiving unit, the card information that is used for receiving with the infrared ray form is converted to IrDA standard electric signal;
Code translator, being used for is UART standard serial electric signal with described IrDA standard electric conversion of signals respectively;
The UART part, being used for will be from the UART standard serial electrical signal conversion of described code translator output for being the parallel signal of unit with the pre-determined bit, the result that will change outputs to controller then, and the parallel signal of the card information that will send through controller is converted to UART standard serial electric signal, then the result who is changed outputed to scrambler;
Described scrambler, being used for the described UART standard serial electrical signal conversion from described UART part is IrDA standard electric signal;
The infrared light radiating portion, being used for described IrDA standard electric conversion of signals is that infrared signal is to send the infrared signal of this conversion.
5. optics payment transmitter as claimed in claim 1 also comprises the pitch recognition module, is used for by discerning this password corresponding to the tone signal of importing by the button of portable phone that password produced.
6. optics payment transmitter as claimed in claim 1 wherein, is attached with a signature mark in the appropriate location of optics payment transmitter, so that can the possessory signature of identification card.
Applications Claiming Priority (14)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR20000013426 | 2000-03-16 | ||
| KR13426/2000 | 2000-03-16 | ||
| KR26621/2000 | 2000-05-18 | ||
| KR16328U/2000 | 2000-06-09 | ||
| KR31567/2000 | 2000-06-09 | ||
| KR32454/2000 | 2000-06-13 | ||
| KR32455/2000 | 2000-06-13 | ||
| KR33198/2000 | 2000-06-16 | ||
| KR21614U/2000 | 2000-07-28 | ||
| KR73717/2000 | 2000-12-06 | ||
| KR73718/2000 | 2000-12-06 | ||
| KR73719/2000 | 2000-12-06 | ||
| KR73716/2000 | 2000-12-06 | ||
| KR1540/2001 | 2001-01-11 |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 01809631 Division CN1245053C (en) | 2000-03-16 | 2001-03-16 | Optical payment transceiver and system using same |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1770207A CN1770207A (en) | 2006-05-10 |
| CN100492420C true CN100492420C (en) | 2009-05-27 |
Family
ID=36751481
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100019534A Pending CN101201949A (en) | 2000-03-16 | 2001-03-16 | Optical payment transceiver and system using the same |
| CNB2005100689528A Expired - Lifetime CN100492420C (en) | 2000-03-16 | 2001-03-16 | Optical payment emitter |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100019534A Pending CN101201949A (en) | 2000-03-16 | 2001-03-16 | Optical payment transceiver and system using the same |
Country Status (1)
| Country | Link |
|---|---|
| CN (2) | CN101201949A (en) |
Families Citing this family (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP2172741B1 (en) | 2007-08-03 | 2013-01-23 | JVC KENWOOD Corporation | In-vehicle device |
| KR101195182B1 (en) * | 2011-02-18 | 2012-10-29 | 주식회사 하렉스인포텍 | Card payment system including mobile communication terminal and mobile relay device, apparatuses in the system and method for card payment in the apparatuses |
| US20140052620A1 (en) * | 2012-08-17 | 2014-02-20 | Google Inc. | Wireless reader and payment transaction terminal functionality within a portable device |
| CN105303375A (en) * | 2014-06-13 | 2016-02-03 | 中国银联股份有限公司 | Mobile payment system and method |
| CN105575015B (en) * | 2015-06-30 | 2018-05-15 | 宇龙计算机通信科技(深圳)有限公司 | A kind of self-service accounts settling method, equipment, server and system |
| CN105718156A (en) * | 2016-01-14 | 2016-06-29 | 百度在线网络技术（北京）有限公司 | Business processing method and system |
| CN111541729B (en) * | 2016-09-20 | 2023-10-10 | 徐蔚 | Method and device for paying based on attribute information and mobile terminal |
| TWI691866B (en) * | 2018-10-08 | 2020-04-21 | 兆豐國際商業銀行股份有限公司 | Interactive counter system and interactive method |
| SG11202105942QA (en) * | 2019-01-23 | 2021-08-30 | Tatsuno Corp | Fueling station system, fueling device, and server |
-
2001
- 2001-03-16 CN CNA2008100019534A patent/CN101201949A/en active Pending
- 2001-03-16 CN CNB2005100689528A patent/CN100492420C/en not_active Expired - Lifetime
Also Published As
| Publication number | Publication date |
|---|---|
| CN101201949A (en) | 2008-06-18 |
| CN1770207A (en) | 2006-05-10 |
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Granted publication date: 20090527 |