CN107784748B - Self-service charging terminal based on distributed accounting - Google Patents

Abstract

The invention discloses a self-service charging terminal based on distributed accounting, which comprises a data center server, an automatic charging terminal chip, a metering chip, a mobile phone and a networked charging system, wherein the output end of the data center server is electrically connected with the distributed accounting system, the distributed accounting system and the automatic charging terminal chip are interacted through a router, and the automatic charging terminal chip is prefabricated with a user signature and contract creation mechanism. The invention can quickly and accurately carry out user identity verification and user payment information confirmation, realizes the automation and self-help of charging, greatly improves the automation degree of the self-service charging terminal, enables the user to more conveniently and quickly carry out payment and the self-service charging terminal to accurately carry out automatic charging, and has high safety degree.

Description

Self-service charging terminal based on distributed accounting

Technical Field

The invention relates to the technical field of self-service charging systems, in particular to a self-service charging terminal based on distributed accounting.

Background

With the development of science and technology and the continuous improvement of the living standard of people, self-service charging equipment is more and more liked by people. The self-service charging equipment is services provided by power, communication and banks for paying various fees for your own or other people such as mobile phone fees, telephone fees, water fees, electric fees and the like through internet banking, telephone banking, mobile phone banking, ATM and other self-service equipment. And the self-service charging terminal is the core facility of the self-service charging equipment. At present, when paying fees such as mobile phone fees, telephone fees, water fees, electric fees and the like, most of the fees need to be paid to a special payment place through a user, a large amount of personal information needs to be carried frequently when the fees are paid, and most of the fees are manually charged, so that the degree of automation is low, the accuracy is poor, the condition of wrong fee payment can often occur, and the use requirements of people at present cannot be met.

Disclosure of Invention

Based on the technical problems in the background art, the invention provides a self-service charging terminal based on distributed accounting, which has the characteristics of high automation degree, high charging speed and high accuracy, and solves the problems of high manual charging difficulty, low automation degree, poor accuracy and charge charging error in a manual charging method.

The invention provides the following technical scheme:

a self-service charging terminal based on distributed accounting comprises a data center server, an automatic charging terminal chip, a metering chip, a mobile phone and a networked charging system, wherein the data center server comprises a user management unit, a charging service unit and a POS machine unit, the user management unit comprises inquiry management, fee deduction management and issuing management, the charging service unit comprises a charging database server, a third party payment platform and content divided into charging, the POS machine unit comprises a fee deduction operation module and an issuing operation module, the output end of the data center server is electrically connected with the distributed accounting book system, and the distributed accounting book system and the automatic charging terminal chip are interacted through a router;

the automatic charging terminal chip is characterized in that a user signature and contract creation mechanism is prefabricated, the automatic charging terminal chip interacts with the metering chip, the automatic charging terminal chip interacts with a mobile phone through the NFC communication module, the automatic charging terminal chip is electrically connected with the networking charging system in a two-way mode, and the networking charging system is composed of a user identity verification module, a consumption module and a consumption success or failure verification module.

Preferably, the third party payment platform is a transaction support platform provided by an independent organization, and the payment mode adopted by the third party payment platform is a payment gateway mode.

Preferably, the content is divided into charges including off-site consumption of a commission fee, cross-bank consumption of a payment commission fee, and the like.

Preferably, the user identity authentication module includes user fingerprint information authentication, personal information authentication and password authentication.

Preferably, the POS unit is a handheld wireless POS.

The invention provides a self-service charging terminal based on distributed accounting, which has simple structure principle, can quickly and accurately carry out user identity verification and user payment information confirmation through the application of an automatic charging terminal chip, an NFC communication module, a mobile phone and a networked charging system, realizes the automation and self-service of charging, greatly improves the automation degree of the self-service charging terminal, facilitates the direct and quick payment of users and the automatic and accurate charging of the self-service charging terminal, saves the time of user payment, reduces the probability of error charging of the self-service charging terminal, can adopt two active and passive reading modes and the self-service charging terminal for identification and data exchange in short distance through the application of the NFC communication module, is favorable for the users to use the mobile phone as a traffic one-card, a credit card, a payment card and the like for self-service charging, under the action of the automatic charging terminal chip, the router and the data center server, a user signature and contract creation mechanism can be prefabricated, the contract and certificate can be updated through the network, the contract payment information can be uploaded, the user can conveniently and rapidly pay the fee, the automatic charging can be accurately performed through the self-service charging terminal, and the safety degree is high.

The invention provides a self-service charging terminal based on distributed accounting, which can charge by self on the basis of data of a block chain in a distributed accounting book mode, can share a distributed general ledger in a block network, can facilitate users and participants to update and look up the original book in time, achieve timely transaction and change, reduce the requirement of credit establishment in a traditional mode, simplify the charging steps, improve the automation degree of charging and facilitate the realization of automatic charging.

The invention provides a self-service charging terminal based on distributed accounting, wherein a metering chip is used for converting a current signal into data information readable by an automatic charging terminal chip, and then the data information is calculated by the automatic charging terminal chip to realize the metering of electric energy, so that information in a networked charging system and a mobile phone can be calculated, and self-service payment can be rapidly and accurately carried out according to different types of fees.

Drawings

Fig. 1 is a schematic block diagram of a self-service charging terminal based on distributed accounting according to the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

As shown in fig. 1, fig. 1 is a schematic block diagram of a self-service charging terminal based on distributed accounting according to the present invention.

Referring to fig. 1, the present invention provides a technical solution:

the utility model provides a self-service charging terminal based on distributed account keeping, including data center server, automatic charging terminal chip, the measurement chip, cell-phone and networking charging system, data center server includes the user management unit, charging service unit and POS machine unit, the user management unit is by inquiry management, it manages and provides the management to constitute to detain the fee, charging service unit is by charging database server, third party payment platform and content fall into the charge and constitute, the POS machine unit comprises deduction operation module and granting operation module, data center server's output electric connection has distributed account keeping account book system, realize the interaction through the router between distributed account book system and the automatic charging terminal chip.

The invention provides a self-service charging terminal based on distributed accounting, which can charge by self on the basis of data of a block chain in a distributed accounting book mode, can share a distributed general ledger in a block network, can facilitate users and participants to update and look up the original book in time, achieve timely transaction and change, reduce the requirement of credit establishment in a traditional mode, simplify the charging steps, improve the automation degree of charging and facilitate the realization of automatic charging.

The POS machine unit is a hand-held wireless POS machine, reads the magnetic stripe information of a card holder on a bank card through a card reader, inputs the amount of the fast transaction through a fee deduction operation module and a payment operation module, inputs personal identification information such as a password and the like by an operator of the POS machine unit, and sends the information to a card sending bank system through a networking charging system by utilizing a UnionPay center to complete online transaction, give information on success or failure and print corresponding bills.

The self-service charging terminal based on the distributed accounting is characterized in that a third-party payment platform is a transaction support platform provided by an independent organization, a payment mode adopted by the third-party payment platform is a payment gateway mode, third-party payment refers to the fact that a third-party enterprise with strength and credit guarantee signs with various banks at home and abroad, credit provided for a buyer and a seller is enhanced, an intermediary is added in a direct payment link of the banks, when the transaction is carried out through the third-party payment platform, the buyer selects and purchases commodities, money is paid to the intermediary instead of being directly paid to the seller, the intermediary notifies the seller of delivery, after the buyer receives the commodities, the seller is notified of payment, and the intermediary transfers the money to a seller account.

According to the self-service charging terminal based on the distributed accounting, the third party payment platform adopts a payment gateway mode, a series of application interface programs are provided through the third party payment platform, various bank card payment modes are integrated on one interface, and the third party payment platform is in charge of butt joint with a bank in transaction settlement, so that online shopping consumption is faster and more convenient, and self-service charging is carried out.

This self-service charging terminal based on distributed account keeping, charging database server can be quick the storage in an organic whole with various types such as charges of electricity, water fee etc. the user pays different expenses according to different consumption modes of being convenient for, and the content is divided into the charge project such as the charges including strange land consumption commission, cross-bank consumption payment commission etc. can be in an organic whole with all kinds of charging procedures to convenience of customers collects fee.

The automatic charging terminal chip is used for prefabricating a user signature and contract creation mechanism, the automatic charging terminal chip is interacted with the metering chip, the automatic charging terminal chip is interacted with the mobile phone through the NFC communication module, the automatic charging terminal chip is electrically connected with the networking charging system in a two-way mode, and the networking charging system is composed of a user identity verification module, a consumption module and a consumption success or failure verification module.

In the invention, the user identity authentication module comprises user fingerprint information authentication, personal information authentication and password authentication, and after the user information authentication is successful, the self-service charging terminal can realize accurate and rapid charging according to consumption items through the consumption module and the consumption success-failure authentication module.

The invention provides a self-service charging terminal based on distributed accounting, wherein a metering chip is used for converting a current signal into data information readable by an automatic charging terminal chip, and then the data information is calculated by the automatic charging terminal chip to realize the metering of electric energy, so that information in a networked charging system and a mobile phone can be calculated, and self-service payment can be rapidly and accurately carried out according to different types of fees.

The invention provides a self-service charging terminal based on distributed accounting, which is simple in structural principle, can quickly and accurately carry out user identity verification and user payment information confirmation through an automatic charging terminal chip, an NFC communication module, a mobile phone and a networked charging system, and realizes the automation and self-service of charging, thereby greatly improving the automation degree of the self-service charging terminal, facilitating the direct and quick payment of a user and the automatic and accurate charging of the self-service charging terminal, saving the time of user payment and reducing the probability of errors in the charging of the self-service charging terminal.

According to the invention, through the application of the NFC communication module, two active and passive reading modes and the self-service charging terminal can be adopted for identification and data exchange in a short distance, so that a user can conveniently use the mobile phone as a traffic all-purpose card, a credit card, a payment card and the like for self-service payment, and under the action of an automatic charging terminal chip, a router and a data center server, a user signature and contract creation mechanism can be prefabricated, the contract and certificate can be updated through network receiving, the contracted payment information can be uploaded, so that the user can pay more conveniently and rapidly, the self-service charging terminal can accurately and automatically charge, and the safety degree is high.

During the use, the user utilizes NFC communication module to give the information and the user personal information transmission of need collecting fee for automatic charging terminal chip through the cell-phone, give networking charging system through automatic charging terminal chip transmission, carry out user authentication and consumption through networking charging system, after the information verification succeeds, through the router, realize that automatic charging terminal chip and data center server are mutual, the rethread measures the cost calculation that the chip will need collecting fee, thereby it can realize self-service charging to collect corresponding expense through third party payment platform or POS machine unit.

The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.

Claims (5)

1. The utility model provides a self-service charging terminal based on distributed account keeping, includes data center server, power module, automatic charging terminal chip, measurement chip and cell-phone, its characterized in that: the data center server comprises a user management unit, a charging service unit and a POS machine unit, wherein the user management unit consists of inquiry management, fee deduction management and issuing management, the charging service unit consists of a charging database server, a third party payment platform and content charging, the POS machine unit consists of a fee deduction operation module and an issuing operation module, the output end of the power supply module is electrically connected with the input end of the data center server, the output end of the power supply module is electrically connected with a networking charging system, and the output end of the power supply module is electrically connected with the input end of the automatic charging terminal chip;

the online charging system consists of a user identity verification module, a consumption module and a consumption success or failure verification module, the online charging system is connected with an automatic charging terminal chip in a two-way mode, the automatic charging terminal chip is prefabricated with a user signature and contract creation mechanism, the automatic charging terminal chip is interacted with a metering chip, the automatic charging terminal chip is interacted with a data center server through a router, and the mobile phone is interacted with the automatic charging terminal chip through an NFC communication module;

the use of measurement chip can be turned into the readable data information of automatic charging terminal chip with current signal, then calculates through automatic charging terminal chip, realizes the measurement of electric energy, can calculate the information in networking charging system and the cell-phone to the quick accurate self-service payment of going on of expense according to the different grade type.

2. The self-service charging terminal based on distributed accounting according to claim 1, wherein: the third party payment platform is a transaction support platform provided by an independent mechanism, and the payment mode adopted by the third party payment platform is a payment gateway mode.

3. The self-service charging terminal based on distributed accounting according to claim 1, wherein: the content is divided into fees comprising allopatric consumption handling fees and cross-row consumption payment handling fees.

4. The self-service charging terminal based on distributed accounting according to claim 1, wherein: the user identity authentication module comprises user fingerprint information authentication, personal information authentication and password authentication.

5. The self-service charging terminal based on distributed accounting according to claim 1, wherein: the POS machine unit is a handheld wireless POS machine.

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