CN1558362A - Method and system for real-time payment of cheque - Google Patents

Abstract

The present invention is real-time check paying method and system. The accepting terminal reads out the information in the check to generate the check reading data and obtains the relevant information to generate check input data; the check reader reads out the check information to generate the check reading data transmitted to POS machine; the POS machine acquires the relevant check information to generate the check input data and transmits the check reading data and the check input data to the processing platform; and the processing platform processes the received data and returns the conforming information to the accepting terminal to complete the real-time check payment. The said method and system facilitates the check payment greatly.

Description

Real-time method of payment of a kind of check and system

Technical field

The present invention relates to electronic cash register (POS) systems technology, is real-time method of payment of a kind of check and system concretely.

Background technology

At present, in the means of payment of consumption, except pay in cash, the means such as Credit Card Payments, the payment and settlement of check also occupies irreplaceable status.National every day, the quantity by the paying by check clearing reached millions of pens, amount of money involved many trillion unit.Therefore needs how to take settlement by check mode easily to adapt to extensive stock transaction and consumption are the common problems of paying close attention to of the whole society always.

Yet exist many defectives in existing settlement by check, at first, check can not get real-time processing, and fund can not in time arrive account; In addition, can't discern the check true and false, and not know under the situation of checking account remaining sum, make clearing become complicated, efficient is low, and has certain risk.And the negative consequence that above-mentioned defective causes is, makes to accept check and take commodity away to be difficult to synchronously, brings huge inconvenience for seller and shopping Fang Jun.

The appearance of electronic cash register (POS), for the modes of payments such as credit card bring great convenience, yet the POS of prior art kind does not have the omnibearing function of accepting to check.Therefore the defective of described paying by check is still unresolved so far.

Summary of the invention

The objective of the invention is to, real-time method of payment of a kind of check and system are provided, make and in the payment of check, can handle in real time, that is: discern the check true and false, confirm the checking account remaining sum and make fund in time arrive account check; Thereby make to accept check and take commodity away and reach synchronous.

Technical scheme of the present invention is:

The real-time method of payment of a kind of check, comprising, adopting accepting terminal that the information that is loaded with on the check is read and generate the check reading of data, relevant information from described check to described accepting terminal that import generates check input data;

Described accepting terminal sends described check reading of data and check input data to store paying by check side and the check side of collecting user profile processing platform, described processing platform is handled the data that receive, and feedback acknowledgment information gives described accepting terminal, thereby realizes the real-time payment of check.

The information that is loaded with on the described check comprises at least: paying by check side's number of the account, check number.

The relevant information of described check comprises at least: payment cipher, dealing money.

Described accepting terminal comprises check reading device and POS machine, adopts described check reading device that the information that is loaded with on the check is read and generates the check reading of data, and send described check reading of data to described POS machine; In described POS machine, store terminal datas such as terminal number, user number, serial number,

Relevant information from described check to described POS machine that import generates check input data;

Described POS machine sends described check reading of data, check input data and terminal data to described processing platform.

Method of the present invention comprises following concrete steps: the information that is loaded with on the described check is check account number, check number, payment cipher, the date of getting the ticket endorsed, dealing money, and described check account number, check number are placed on the described check with the form of bar code;

Described check reading device reads data such as number of the account, check number and sends described POS machine to from the check bar code; Finish the input of the relevant information of the amount of money and checks such as password or change code signature again by described POS machine, and packing data is uploaded, show simultaneously and the printout relevant information.

Described processing platform comprises the overall treatment front end processor, stores the main frame of paying by check side and the check side of collecting user profile, described POS machine sends packing data to described overall treatment front end processor, described overall treatment front end processor sends described main frame to the data that packet will receive after will handling then with data processing, described main frame is handled the data that receive, and gives described accepting terminal through described overall treatment front end processor feedback acknowledgment information.

Method of the present invention comprises following concrete steps:

Described check reading device reads data such as number of the account, check number and sends described POS machine to from the check bar code;

Described POS machine shows data such as the number of the account that receives, check number and generates the check reading of data; Finish the input of the relevant information of checks such as the amount of money and password again by described POS machine, and generate check input data; Store terminal datas such as terminal number, user number, serial number in described POS machine, described POS machine sends described check reading of data, check input data and terminal data packing to described processing platform;

Described processing platform comprises the overall treatment front end processor, stores the main frame of paying by check side and the check side of collecting user profile, the packet that described overall treatment front end processor is served the POS machine receives, after untiing packet, serial number, terminal number, user number etc. are carried out verification, keep a record after verification is qualified and show, simultaneously this group information is carried out the packing second time and send described main frame to;

Described main frame is handled the data that receive, and the confirmation packing is fed back to described overall treatment front end processor; Described overall treatment front end processor returns when bag accepting the check processing host, do unpack, processing such as verification, record, reach described accepting terminal after the encryption.

Method of the present invention comprises following concrete steps:

Check consumer sale to the same day carries out just dashing of account, imports or read original check number of the account, original check number, former transaction retrieving reference number promptly by hand;

The POS machine is organized transaction data to wrap and is sent the overall treatment front end processor; The overall treatment front end processor will send main frame on the packet;

Main frame comprises the general inspection of MAC, contributing unit archives, POS archives etc.; Read daily record, the amount of money, number of the account, check number are checked; Tissue comprises the data call job accounting interface of data such as number of the account, check number, detailed serial number, the amount of money; After calling the job accounting interface success, upgrade daily record, and return success information; Output Transaction Success information, and print with bar.

Method of the present invention comprises following concrete steps:

When the POS machine does not receive the return message of main frame or do not print with bar in the time that limits, then current financial transaction just becomes unknown transaction; Unknown transaction will send before the next record transaction sends automatically.

Before current transaction sent, the unknown transaction file of POS machine check if there is unknown transaction, then at first sent unknown transaction;

It is obstructed out-of-date that main frame carries out the MAC verification, then returns terminals such as new MAC KEY, PIN KEY and the A KEY serial number information of registering, and terminal reorganizes unknown transaction bag with new MAC KEY and PIN KEY, on send main frame; Main frame is not found former transaction, then registers the unknown schedule of dealing that leaves a question open;

The unknown transaction that the MAC verification is passed through, whether serial number and the last trade serial number in the POS machine archives of judging transaction equate that equal then former transaction has been served main frame and successfully handled, and need recover account according to daily record, otherwise send the transaction of main frame on being judged to not, register the unknown schedule of dealing that leaves a question open;

Main frame is handled with just dashing of corresponding transaction the accounting processing of the unknown transaction;

After the unknown transaction processing success, the daily record of record peony-card is upgraded files on each of customers, POS machine archives;

For handling unsuccessful unknown transaction, also need to write down the unknown schedule of dealing that leaves a question open.After record is finished, be set to the merit Returning mark.

Method of the present invention comprises following concrete steps:

The user rolls account on accepting terminal, if accepting terminal has unknown transaction, then carry out the unknown earlier and handle; Daily record adds up and gathers according to terminal, prints and rolls bill the same day;

Method of the present invention comprises following concrete steps:

Import to accepting terminal: Currency Type, the number of the account that writes off, the other side's number of the account, serial number, voucher kind, voucher number, the date of issuance, check limit, voucher password, summary; Import in the foreign currency business: statistics codes, clearing form, date of value;

Data are checked;

Host process: teller's validity checking; The verification of communication district; Upgrade the corresponding record that keeps accounts of the detailed account in inner family, be the state that writes off; Account is handled: check account status, just pen is handled, and upgrades account status, remaining sum, reserved amount; Note main frame clearing class transaction log; The note teller rolls the account table; Clearing class transaction log; Return the account name in an account book; The printout transaction is with bar.

Method of the present invention comprises following concrete steps:

Accounting processing: borrow during online consumption to be that contact check family, loan are 284 to check and write off the family; Borrowing during online checking and writing off is 284 to check and write off the family, borrow into trade company toward vostro account.

In described overall treatment front end processor, also be provided with user management module, Transaction Inquiries module, system maintaining module, day whole processing module;

Wherein:

Adopt described user management module to carry out the inquiry of the additions and deletions of the maintenance of user's additions and deletions and user profile, check accepting terminal and maintenance, user profile;

Adopt described Transaction Inquiries module to carry out day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry;

Adopt described system maintaining module to carry out data backup, additions and deletions operator and retouching operation person's password;

Adopt day whole mould of handling certainly to carry out report generation and report printing, reach a day processing eventually.

After described check processing host receives the payment information that the user sends by described check overall treatment front end processor, number of the account, check number, the payment cipher of paying by check side carried out verification and detain account in real time and handle; Carrying out pending accounts then handles; Treat to do the processing that keeps accounts after the check side of collecting sends to check and acceptance(check).

Described check processing host need be carried out day processing eventually, that is: support the pending accounts subject balance according to the check pin that the check side of collecting hands over to, and count in the check side of the collecting account, to realize the account balance.

Described POS machine can read magnetic card, and the data that will read from described magnetic card send described main frame to and handle.

The present invention also provides a kind of check real-time payment system, it is characterized in that comprising: the accepting terminal and the processing platform that are become with POS mechanism by the check reading device;

Wherein:

Described check reading device is connected with the communication interface of described POS machine;

Described POS machine is connected with described processing platform by communication network;

Described check reading device reads the information that is loaded with on the check and generates the check reading of data, and sends this check reading of data to described POS machine; The relevant information that described POS machine is gathered check generates check input data, and send described check reading of data and check input data to described processing platform, described processing platform is handled the data that receive, and feedback acknowledgment information gives described accepting terminal, thereby realizes the real-time payment of check.

Described check reading device is connected with the communication interface of described POS machine and is meant: described check reading device is connected with the RS-232 mouth of described POS machine.

Described POS machine is connected with described processing platform by communication network and is meant: a plurality of accepting terminal insert public telephone network (PSTN) respectively by its POS machine, described processing platform also inserts public telephone network, thereby realizes being connected of a plurality of check accepting terminal and described check processing platform.

Described POS machine is connected with described processing platform by communication network and is meant: a plurality of accepting terminal insert X.25 private wire network respectively by its POS machine, described processing platform also inserts X.25 private wire network, thereby realizes being connected of a plurality of check accepting terminal and described check processing platform.

Described check reading device is the bar code reading device.

Described processing platform comprises: network controller, overall treatment front end processor, main frame; Wherein: described network controller is connected with communication network, overall treatment front end processor respectively; The overall treatment front end processor is connected with main frame.

Described overall treatment front end processor, main frame are computing machine; Described communication network is meant public telephone network or private wire network X.25.

System of the present invention also comprises printer, and this printer is connected with described overall treatment front end processor, and described overall treatment front end processor comprises:

User management device: constitute by the logical circuit that can carry out the maintenance of user's additions and deletions and user profile, the additions and deletions of check accepting terminal and maintenance, user profile inquiry;

Transaction Inquiries device: constitute by the logical circuit that can carry out day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry;

System maintenance device: constitute by the logical circuit that can carry out data backup, additions and deletions operator and retouching operation person's password;

Day whole treating apparatus: by can carry out report generation and report printing, and a logical circuit of day handling eventually constitute.

Described main frame comprises: verification and button account device: constitute by can carrying out verification to number of the account, check number, the payment cipher of paying by check side and detain the logical circuit that account handles in real time;

Pending accounts device: constitute by the logical circuit that can carry out the pending accounts processing;

Device keeps accounts: the logical circuit of handling constitutes by carrying out an acceptance inspection to the check that the check side of collecting sends to and keep accounts.

Described main frame also comprises a day whole treating apparatus: it is supported the pending accounts subject balance and is counted in the check side of the collecting account by the check pin of handing over to according to the check side of collecting and constitutes with the logical circuit of realizing the account balance.

The present invention also provides a kind of check real-time payment system, it is characterized in that comprising:

By a bar code reading device and accepting terminal, network controller, overall treatment precomputer, the main frame that the POS machine connects and composes by the RS-232 communication interface;

Wherein:

A plurality of described accepting terminal insert public telephone network respectively by its POS machine; Described network controller is connected with public telephone network, overall treatment precomputer respectively; The overall treatment precomputer is connected with main frame;

Described overall treatment precomputer connects printer, and described overall treatment precomputer comprises: the user management device that can carry out the maintenance of user's additions and deletions and user profile, the additions and deletions of check accepting terminal and maintenance, user profile inquiry; Can carry out the Transaction Inquiries device of day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry; Can carry out the system maintenance device of data backup, additions and deletions operator and retouching operation person's password; Can carry out report generation and report printing, reach a day whole day whole treating apparatus of handling;

Described main frame comprises: can carry out verification to number of the account, check number, the payment cipher of paying by check side and detain verification and the button account device that account is handled in real time; Can carry out the pending accounts device that pending accounts are handled; The device that keeps accounts that can carry out an acceptance inspection to the check that the check side of collecting sends to and keep accounts and handle.

Described POS machine includes the magnetic card reading device.

Beneficial effect of the present invention is, can handle in real time check in the payment of check by a kind of check electronics acceptance method and system being provided, making, that is: discern the check true and false, confirm the checking account remaining sum and make fund in time arrive account; Thereby make and accept check and take commodity away and reach synchronously, for the payer of check and the Fang Jun that collects of check bring great convenience.

Description of drawings

Fig. 1 is the synoptic diagram of system of the present invention;

Fig. 2 is the structured flowchart of system of the present invention;

Fig. 3 is the functional schematic of the described POS machine of system of the present invention;

Fig. 4 is the process flow diagram of system of the present invention;

Fig. 5 is the workflow diagram of system of the present invention embodiment;

Fig. 6 is the workflow diagram of check consumption in the system of the present invention embodiment.

Embodiment

Below in conjunction with description of drawings the specific embodiment of the present invention:

As shown in Figure 4, the real-time method of payment of a kind of check, comprising, adopting the information that is loaded with on the right check of accepting terminal to read and generate the check reading of data, relevant information from described check to described accepting terminal that import generates check input data;

Described accepting terminal sends described check reading of data and check input data to store paying by check side and the check side of collecting user profile processing platform, described processing platform is handled the data that receive, and feedback acknowledgment information gives described accepting terminal, thereby realizes the real-time payment of check.

The information that is loaded with on the described check comprises at least: paying by check side's number of the account, check number.

The relevant information of described check comprises at least: payment cipher, dealing money.

Described accepting terminal comprises check reading device and POS machine, adopts described check reading device that the information that is loaded with on the check is read and generates the check reading of data, and send described check reading of data to described POS machine; In described POS machine, store terminal datas such as terminal number, user number, serial number,

Relevant information from described check to described POS machine that import generates check input data;

Described POS machine sends described check reading of data, check input data and terminal data to described processing platform.

Method of the present invention comprises following concrete steps: the information that is loaded with on the described check is check account number, check number, payment cipher, the date of getting the ticket endorsed, dealing money, and described check account number, check number are placed on the described check with the form of bar code;

Described check reading device reads data such as number of the account, check number and sends described POS machine to from the check bar code; Finish the input of the relevant information of the amount of money and checks such as password or change code signature again by described POS machine, and packing data is uploaded, show simultaneously and the printout relevant information.

Described processing platform comprises the overall treatment front end processor, stores the main frame of paying by check side and the check side of collecting user profile, described POS machine sends packing data to described overall treatment front end processor, described overall treatment front end processor sends described main frame to the data that packet will receive after will handling then with data processing, described main frame is handled the data that receive, and gives described accepting terminal through described overall treatment front end processor feedback acknowledgment information.

Method of the present invention comprises following concrete steps:

Described check reading device reads data such as number of the account, check number and sends described POS machine (as shown in Figure 3) to from the check bar code;

Described POS machine shows data such as the number of the account that receives, check number and generates the check reading of data; Finish the input of the relevant information of checks such as the amount of money and password again by described POS machine, and generate check input data; Store terminal datas such as terminal number, user number, serial number in described POS machine, described POS machine sends described check reading of data, check input data and terminal data packing to described processing platform;

Described processing platform comprises the overall treatment front end processor, stores the main frame of paying by check side and the check side of collecting user profile, the packet that described overall treatment front end processor is served the POS machine receives, after untiing packet, serial number, terminal number, user number etc. are carried out verification, keep a record after verification is qualified and show, simultaneously this group information is carried out the packing second time and send described main frame to;

Described main frame is handled the data that receive, and the confirmation packing is fed back to described overall treatment front end processor; Described overall treatment front end processor returns when bag accepting the check processing host, do unpack, processing such as verification, record, reach described accepting terminal after the encryption.

Method of the present invention comprises following concrete steps:

Check consumer sale to the same day carries out just dashing of account, imports or read original check number of the account, original check number, former transaction retrieving reference number promptly by hand;

The POS machine is organized transaction data to wrap and is sent the overall treatment front end processor; The overall treatment front end processor will send main frame on the packet;

Main frame comprises the general inspection of MAC, contributing unit archives, POS archives etc.; Read daily record, the amount of money, number of the account, check number are checked; Tissue comprises the data call job accounting interface of data such as number of the account, check number, detailed serial number, the amount of money; After calling the job accounting interface success, upgrade daily record, and return success information; Output Transaction Success information, and print with bar.

Method of the present invention comprises following concrete steps:

When the POS machine does not receive the return message of main frame or do not print with bar in the time that limits, then current financial transaction just becomes unknown transaction; Unknown transaction will send before the next record transaction sends automatically.

Before current transaction sent, the unknown transaction file of POS machine check if there is unknown transaction, then at first sent unknown transaction;

It is obstructed out-of-date that main frame carries out the MAC verification, then returns terminals such as new MAC KEY, PIN KEY and the A KEY serial number information of registering, and terminal reorganizes unknown transaction bag with new MAC KEY and PIN KEY, on send main frame; Main frame is not found former transaction, then registers the unknown schedule of dealing that leaves a question open;

The unknown transaction that the MAC verification is passed through, whether serial number and the last trade serial number in the POS machine archives of judging transaction equate that equal then former transaction has been served main frame and successfully handled, and need recover account according to daily record, otherwise send the transaction of main frame on being judged to not, register the unknown schedule of dealing that leaves a question open;

Main frame is handled with just dashing of corresponding transaction the accounting processing of the unknown transaction;

After the unknown transaction processing success, the daily record of record peony-card is upgraded files on each of customers, POS machine archives;

For handling unsuccessful unknown transaction, also need to write down the unknown schedule of dealing that leaves a question open.After record is finished, be set to the merit Returning mark.

Method of the present invention comprises following concrete steps:

The user rolls account on accepting terminal, if accepting terminal has unknown transaction, then carry out the unknown earlier and handle; Daily record adds up and gathers according to terminal, prints and rolls bill the same day;

Method of the present invention comprises following concrete steps:

Import to accepting terminal: Currency Type, the number of the account that writes off, the other side's number of the account, serial number, voucher kind, voucher number, the date of issuance, check limit, voucher password, summary; Import in the foreign currency business: statistics codes, clearing form, date of value;

Data are checked;

Host process: teller's validity checking; The verification of communication district; Upgrade the corresponding record that keeps accounts of the detailed account in inner family, be the state that writes off; Account is handled: check account status, just pen is handled, and upgrades account status, remaining sum, reserved amount; Note main frame clearing class transaction log; The note teller rolls the account table; Clearing class transaction log; Return the account name in an account book; The printout transaction is with bar.

Method of the present invention comprises following concrete steps:

Accounting processing: borrow during online consumption to be that contact check family, loan are 284 to check and write off the family; Borrowing during online checking and writing off is 284 to check and write off the family, borrow into trade company toward vostro account.

Behind the described POS machine check consumption batch on the same day, provide POS check consumer sale inventory, the table sample is as follows:

POS check consumer sale inventory

Net period: date

Page

Sequence number	Contributing unit numbering	Debit's number of the account	Check number	Credit side's number of the account	Get the ticket endorsed the date	The amount of money	Service charge	The transaction searching number	The POS terminal number

Date printed:

Relevant data structure:

Check consumption:

Bit	Content	On send front end processor	On send main frame	Main frame returns	Front end processor returns	Remarks
								Message identification	0240	?0240	?0250	?0250

	The bit table	※	※	※	※
							2	Card number (check account number)	※	※
3	Transaction code	700000	700000	0000yz	0000yz
							4	Dealing money	※	※
5	Amount of settlement			※	※
							6	The tip amount of money	☆	☆
7	Transmission time	※	※
							8	New packet format sign	※	※
9	The clearance rate of conversion			※	※
							11	The POS serial number	※	※	※	※
12	Exchange hour			※	※
							13	Trade date			※	※
15	Get the ticket endorsed the date	※	※
							18	The prize-winning serial number				☆
21	Version number	※	※
							22	Input mode	041	041
32	The ground area code		※
							37	Retrieving reference number			※	※
39	Response code			※	※
							41	Terminal number	※	※	※	※
42	Market number	※	※
							44	Additional response code			※	※	Illustrate 1
48	Check number	※	※
							49	Transaction currency code	※	※
50	The clearing currency code			※	※
							52	User cipher	※	※
64	MAC	※	※	※	※

Illustrate 1:

During Transaction Success, return the transaction commission amount.

Just dash:

Bit	Content	On send front end processor	On send main frame	Main frame returns	Front end processor returns	Remarks
								Message identification	0400	0400	0410	0410
	The bit table	※	※	※	※
							2	Card number (check account number)	※	※
3	Transaction code	700000	700000	0000yz	0000yz
							4	Dealing money	※	※
5	Amount of settlement			※	※
							7	Transmission time	※	※
8	New packet format sign	※	※	※	※
							9	The clearance rate of conversion			※	※
11	The POS serial number	※	※	※	※
							12	Exchange hour			※	※
13	Trade date			※	※
							21	Version number	※	※	※	※
22	Input mode	※	※
							24	The individual of unit sign		※
32	The ground area code		※

??37	Retrieving reference number	??※	??※	??※	??※
							??39	Response code			??※	??※
??41	Terminal number	??※	??※	??※	??※
							??42	Market number	??※	??※
??44	Additional response code			??※	??※
							??49	Transaction currency code	??※	??※
??50	The clearing currency code			??※	??※
							??64	??MAC	??※	??※	??※	??※

Unknown transaction

The message of unknown transaction is identical with former transaction, is the message identification difference, and unknown transaction message sign is revised as 0420, is returned as 0430.

The NAI9052 interface:

1) function: cheque sum changes inner family over to and receives subject temporarily, record expense registration form.

2) handle description: teller's validity checking; The verification of communication district; The debit handles toward vostro account; The credit side remembers 284 temporary receipts subjects (inquiry log separates reference table, generates the inner family of credit side number of the account), online specifying carefully.Voucher pin number; Note register of expenses (inquiry log separates reference table, generates inner family number of the account);

Keep a diary, the teller rolls the account table.

3) communication district

The communication district	Describe
		NWC_APP_STAT	Program run information
NWC_APP_CTRL	Host process parameter control communication district
		NWC_IVIF_USER	Host process parameter control communication district
NWC_COMM_CHTR	The NASE cash public communication of the class interface district that transfers accounts
		NWA_NAI9052_FOUND	The service charge input

Input is described:

NWC_APP_STAT (program run information)

Name variable	Scope	Level	Array	Type	Length	Decimal	Byte	Explanation
									??TRANSOK	??Global	??10	??1	??Num	??1	??0	??1
??ERR_NO	??Global	??10	??1	??Num	??4	??0	??4
									??MSG_NO	??Global	??10	??1	??Num	??4	??0	??4
??TABLE_NAM ??E	??Global	??10	??1	??Char	??8	??0	??8

NWC_APP_CTRL (host process parameter control communication district)

Name variable	Scope	Level	Array	Type	Length	Decimal	Byte	Explanation
									CHKUSR_FL AG	?Local	?10	?1	?Num	?1	?0	?1	Teller's checkmark
SYNPOT_FL AG	?Local	?10	?1	?Num	?1	?0	?1	The Commit/Rollback sign

NWC_IVIF_USER (host process parameter control communication district)

Communication district check mark, key, working time

Name variable	Scope	Level	Array	Type	Length	Decimal	Byte	Explanation
									CHKCOMM_F LAG	?Local	?10	?1	?Num	?1	?0	?1	Communication district check mark
TSFKEY	?Global	?10	?1	?Pack	?9	?0	?5	Teller's key
									REALTIME	?Local	?10	?1	?Char	?8	?0	?8	Working time

NWC_COMM_CHTR (NASE cash transfer accounts the public communication of class interface district)

Big transaction sequence number, little transaction sequence number, transaction code, the ground area code, the net period, teller number, service interface, Currency Type, the new and old number of the account sign of debit, debit's number of the account, the new and old number of the account sign of credit side, credit side's number of the account, the amount of money, communication district proof test value, the voucher kind, voucher number, the voucher password, get the ticket endorsed the date, the check limit, summary, from date, the negative dealing sign, authorize teller number, authorization code, teller's magnetic card card number, teller's rank, the post numbering, licencing key, authorize the amount of money, former transaction teller number, the foreign exchange statistics code, foreign exchange settlement mode, terminal number.

Name variable	Scope	Level	Array	Type	Length	Decimal	Byte	Explanation
									TRXSQNB	?Global	?10	?1	?Pack	?5	?0	?3	Big transaction sequence number
TRXSQNS	?Global	?10	?1	?Pack	?3	?0	?2	Little transaction sequence number
									TRXCODE	?Global	?10	?1	?Pack	?5	?0	?3	Transaction code
ZONENO	?Global	?10	?1	?Pack	?5	?0	?3	The ground area code
									BRNO	?Global	?10	?1	?Pack	?5	?0	?3	The net period
TELLERNO	?Global	?10	?1	?Pack	?5	?0	?3	Teller number
									SERVFACE	?Global	?10	?1	?Pack	?3	?0	?2	Service interface
CURRTYPE	?Global	?10	?1	?Pack	?3	?0	?2	Currency Type
									DRNOUSEF	?Local	?10	?1	?Num	?1	?0	?1	The new and old number of the account sign of debit
DRACCNO	?Local	?10	?1	?Num	?17	?0	?17
									DRACCNAME	?Global	?10	?1	?Char	?60	?0	?60	Debit's name in an account book
DRACCNAME _HEX	?Global	?12	?1	?Hex	?120	?0	?60
									DRSBJCOD	?Local	?10	?1	?Num	?7	?0	?7	DRSBJCOD
DROSAF	?Local	?12	?1	?Num	?1	?0	?1	The offshore sign
									*	Local	?12	?1	?Num	?6	?0	?6
DRGONOUF	?Local	?10	?1	?Num	?1	?0	?1	DRGONOUF
									DRGOACC	?Local	?10	?1	?Num	?17	?0	?17	DRGOACC
DRGOSBJC	?Global	?10	?1	?Pack	?7	?0	?4	DRGOSBJC
									CRNOUSEF	?Local	?10	?1	?Num	?1	?0	?1	The new and old number of the account sign of credit side
RACCNO	?Local	?10	?1	?Num	?17	?0	?17
									CRACCNAME	?Global	?10	?1	?Char	?60	?0	?60	Credit side's name in an account book
CRACCNAME _HEX	?Global	?12	?1	?Hex	?120	?0	?60
									CRSBJCOD	?Local	?10	?1	?Num	?7	?0	?7	CRSBJCOD
CROSAF	?Local	?12	?1	?Num	?1	?0	?1	The offshore sign
									*	?Local	?12	?1	?Num	?6	?0	?6
CRGONOUF	?Local	?10	?1	?Num	?1	?0	?1	CRGONOUF
									CRGOACC	?Local	?10	?1	?Num	?17	?0	?17	CRGOACC

?CRGOSBJC	?Global	?10	?1	?Pack	?7	?0	?4	CRGOSBJC
									?AMOUNT	?Global	?10	?1	?Pack	?17	?0	?9	The amount of money
?SAFEPARA	?Local	?10	?1	?Pack	?9	?0	?5
									?VOUHTYPE	?Local	?10	?1	?Pack	?3	?0	?2	VOUHTYPE
?VOUHNO	?Global	?10	?1	?Pack	?9	?0	?5	Voucher number
									?VOUHPWD	?Global	?10	?1	?Pack	?13	?0	?7	The voucher password
?SUMMARY	?Global	?10	?1	?Char	?20	?0	?20	Summary
									?SUMMARY_H ?EX	?Local	?12	?1	?Hex	?40	?0	?20
?CASHNO	?Global	?10	?1	?Pack	?3	?0	?2	Cash is analyzed number
									?VALUEDAY	?Global	?10	?1	?Char	?10	?0	?10	Adjust from date
?YEAR	?Local	?12	?1	?Char	?4	?0	?4
									?*	?Local	?12	?1	?Char	?1	?0	?1
?MONTH	?Local	?12	?1	?Char	?2	?0	?2
									?*	?Local	?12	?1	?Char	?1	?0	?1
?DAY	?Local	?12	?1	?Char	?2	?0	?2
									?REVTRANF	?Global	?10	?1	?Pack	?1	?0	?1	The negative dealing sign
?DIPFLAG	?Global	?10	?1	?Pack	?1	?0	?1	Debit interest, freeze to handle sign
									?AUTHTLNO	?Global	?10	?1	?Pack	?5	?0	?3	Authorize teller number
?AUTHCODE	?Global	?10	?1	?Num	?5	?0	?5	Authorization code
									?CARDNO	?Global	?10	?1	?Pack	?7	?0	?4	Card number
?LEVEL	?Global	?10	?1	?Pack	?1	?0	?1	Teller's rank
									?DUTYNO	?Global	?10	?1	?Pack	?5	?0	?3	The post numbering
?AUTHPWD	?Global	?10	?1	?Pack	?9	?0	?5	Licencing key
									?AUTHAMT	?Global	?10	?1	?Pack	?17	?0	?9	The amount of money
?PRETELNO	?Global	?10	?1	?Pack	?5	?0	?3	Former transaction teller number
									?STATCODE	?Global	?10	?1	?Pack	?7	?0	?4	The foreign exchange statistics code
?SETTMODE	?Global	?10	?1	?Pack	?3	?0	?2	Foreign exchange settlement mode
									?TERMID	?Global	?10	?1	?Char	?15	?0	?15	Terminal number
?TERMID_HE ?X	?Global	?12	?1	?Hex	?30	?0	?15	Terminal number (hex)
									?VOUHDATE	?Global	?10	?1	?Char	?10	?0	?10	Get the ticket endorsed the date
?VHQUOTA	?Global	?10	?1	?Pack	?17	?0	?9	The check limit

NWA_NAI9052_FOUND (service charge input)

Name variable	Scope	Level	Array	Type	Length	Decimal	Byte	Explanation
									FOUNDAMOU NT	?local	?10	?1	?Pack	?17	?0	?9	The amount of money

Must fail the territory: teller's checkmark, SYNPOT sign, communication district check mark, greatly conclude the business sequence number, little transaction sequence number, transaction code, area code, net period, teller number, service interface, Currency Type, the new and old number of the account sign of debit, debit's number of the account, the new and old number of the account sign of credit side, credit side's number of the account, from date, negative dealing sign, service charge, voucher kind (check), voucher number (check number), check password, the amount of money

The defeated territory of choosing: key (when not needing to do teller's inspection and need do the verification of communication district, must fail), working time (when not needing to be the teller and check), former transaction teller number (must fail during negative dealing), get the ticket endorsed the date, the check limit, the foreign exchange statistics code, foreign exchange settlement mode, summary, authorization code (must fail) when terminal has when mandate, authorize teller's number (must fail) when terminal has when mandate, licencing key (must fail) when terminal has when mandate, teller's rank (must fail) when terminal has when mandate, post numbering (must fail) when terminal has when mandate, teller's magnetic card card number (must fail) when terminal has when mandate, authorize the amount of money (must fail) when terminal has when mandate.

In described overall treatment front end processor, also be provided with user management module, Transaction Inquiries module, system maintaining module, day whole processing module;

Wherein:

Adopt described user management module to carry out the inquiry of the additions and deletions of the maintenance of user's additions and deletions and user profile, check accepting terminal and maintenance, user profile;

Adopt described Transaction Inquiries module to carry out day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry;

Adopt described system maintaining module to carry out data backup, additions and deletions operator and retouching operation person's password;

Adopt a day whole processing module to carry out report generation and report printing, reach day whole a processing.

After described check processing host receives the payment information that the user sends by described check overall treatment front end processor, number of the account, check number, the payment cipher of paying by check side carried out verification and detain account in real time and handle; Carrying out pending accounts then handles; Treat to do the processing that keeps accounts after the check side of collecting sends to check and acceptance(check).

Described check processing host need be carried out day processing eventually, that is: support the pending accounts subject balance according to the check pin that the check side of collecting hands over to, and count in the check side of the collecting account, to realize the account balance.

Described POS machine can read magnetic card, and the data that will read from described magnetic card send described main frame to and handle.

As Fig. 1, shown in Figure 5, the overall system flow process is: POS collects transaction data, carries out basic legitimacy verification.If on-line transaction, POS forms self-defined ISO8583 bag with transaction data, on send front end processor, receive return bag after, carry out transaction processing according to return results.After front end processor is received and sent bag, determine that earlier new system POS bag still is a legacy system POS bag, unpack, carry out processing such as MAC verification, amount of money conversion, card discrimination then, repack again and send main frame.Receive return bag after, first display process result; If Transaction Success, and this transaction must keep a diary, and then keeps a diary.After main frame was received and sent bag, card checking was carried out in first MAC verification then, the account inspection, and card upgrades, and account is upgraded, and log upgrades trade company's archives and POS. archives.Afterwards front end processor is returned in the transaction results packing.

The terminal subsystem flow process is: after terminal powered on and entered the terminal applies subsystem every day, application system was carried out system initialization earlier, carried out the online processing of registering of terminal before sending on the first stroke on-line transaction.When needs carry out on-line transaction, terminal elder generation image data, organizational information and packing send main frame, receive main frame then and return bag, unpack and fetch data, and make suitable processing according to the information that main frame returns.

As shown in Figure 6, check consumption flow process is: information such as input check account number, check number, the date of getting the ticket endorsed, the legitimacy of check data.Organize Transaction Information, comprise the information, trade company's numbering, terminal number, transaction journal number of input etc., will send front end processor in the Transaction Information packing then.Terminal receives the packets of information of returning from main frame, judges whether success of transaction, if success then remember transaction log and operator's magnetic card transaction accumulative total.

The present invention also provides a kind of check real-time payment system as shown in Figure 1 and Figure 2, it is characterized in that comprising: the accepting terminal and the processing platform that are become with POS mechanism by the check reading device;

Wherein:

Described check reading device is connected with the communication interface of described POS machine;

Described POS machine is connected with described processing platform by communication network;

Described check reading device reads the information that is loaded with on the check and generates the check reading of data, and sends this check reading of data to described POS machine; The relevant information that described POS machine is gathered check generates check input data, and send described check reading of data and check input data to described processing platform, described processing platform is handled the data that receive, and feedback acknowledgment information gives described accepting terminal, thereby realizes the real-time payment of check.

Described check reading device is connected with the communication interface of described POS machine and is meant: described check reading device is connected with the RS-232 mouth of described POS machine.

Described POS machine is connected with described processing platform by communication network and is meant: a plurality of accepting terminal insert public telephone network (PSTN) respectively by its POS machine, described processing platform also inserts public telephone network, thereby realizes being connected of a plurality of check accepting terminal and described check processing platform.

Described POS machine is connected with described processing platform by communication network and is meant: a plurality of accepting terminal insert X.25 private wire network respectively by its POS machine, described processing platform also inserts X.25 private wire network, thereby realizes being connected of a plurality of check accepting terminal and described check processing platform.

Described check reading device is the bar code reading device.

Described processing platform comprises: network controller, overall treatment front end processor, main frame; Wherein: described network controller is connected with communication network, overall treatment front end processor respectively; The overall treatment front end processor is connected with main frame.

Described overall treatment front end processor, main frame are computing machine; Described communication network is meant public telephone network or private wire network X.25.

System of the present invention also comprises printer, and this printer is connected with described overall treatment front end processor, and described overall treatment front end processor comprises:

User management device: constitute by the logical circuit that can carry out the maintenance of user's additions and deletions and user profile, the additions and deletions of check accepting terminal and maintenance, user profile inquiry;

Transaction Inquiries device: constitute by the logical circuit that can carry out day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry;

System maintenance device: constitute by the logical circuit that can carry out data backup, additions and deletions operator and retouching operation person's password;

Day whole treating apparatus: by can carry out report generation and report printing, and a logical circuit of day handling eventually constitute.

Described main frame comprises: verification and button account device: constitute by can carrying out verification to number of the account, check number, the payment cipher of paying by check side and detain the logical circuit that account handles in real time;

Pending accounts device: constitute by the logical circuit that can carry out the pending accounts processing;

Device keeps accounts: the logical circuit of handling constitutes by carrying out an acceptance inspection to the check that the check side of collecting sends to and keep accounts.

Described main frame also comprises a day whole treating apparatus: it is supported the pending accounts subject balance and is counted in the check side of the collecting account by the check pin of handing over to according to the check side of collecting and constitutes with the logical circuit of realizing the account balance.

As shown in Figure 1, the present invention also provides a kind of check real-time payment system, it is characterized in that comprising:

By a bar code reading device and accepting terminal, network controller, overall treatment precomputer, the main frame that the POS machine connects and composes by the RS-232 communication interface;

Wherein:

A plurality of described accepting terminal insert public telephone network respectively by its POS machine; Described network controller is connected with public telephone network, overall treatment precomputer respectively; The overall treatment precomputer is connected with main frame;

Described overall treatment precomputer connects printer, and described overall treatment precomputer comprises: the user management device that can carry out the maintenance of user's additions and deletions and user profile, the additions and deletions of check accepting terminal and maintenance, user profile inquiry; Can carry out the Transaction Inquiries device of day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry; Can carry out the system maintenance device of data backup, additions and deletions operator and retouching operation person's password; Can carry out report generation and report printing, reach a day whole day whole treating apparatus of handling;

Described main frame comprises: can carry out verification to number of the account, check number, the payment cipher of paying by check side and detain verification and the button account device that account is handled in real time; Can carry out the pending accounts device that pending accounts are handled; The device that keeps accounts that can carry out an acceptance inspection to the check that the check side of collecting sends to and keep accounts and handle.

Described POS machine includes the magnetic card reading device.

Beneficial effect of the present invention is, can handle in real time check in the payment of check by a kind of check electronics acceptance method and system being provided, making, that is: discern the check true and false, confirm the checking account remaining sum and make fund in time arrive account; Thereby make and accept check and take commodity away and reach synchronously, for the payer of check and the Fang Jun that collects of check bring great convenience.Its advantage is:

1, deduct fund is immediately avoided kite bill.The check accepting terminal that can utilize bank freely to provide to you is grasped the real effectiveness of check only for account in real time, and the bank account deposit of (consumption) unit of deduct shopping immediately;

2, merchandising at that time quickens the commodity turnover.Behind the intact shopping of deduct fund, can allow the shopping unit withdraw commodity at that time safely, relievedly, reduce the stock and accounted for pressure, quickened the commodity turnover;

3, flexible clearing form enlarges client's scope.You have enlarged your client's scope if food and drink, consumption enterprise can be received the client who consumes with check only for account to the greatest extent courageously, relievedly.

4, means of settlement advanced person attracts more clients.Because this business has and can withdraw commodity or consumption at that time, will obtain the favor of vast consumption unit, you locate shopping to attract them to come.

5, cross-regional restriction is sold towards the strange land.After carrying out this business, you can directly accept non-this city (area) consumer's check only for account and meet the standard of zero tolerance, and thus, help your enterprise known far and wide.

Above embodiment only is used to the present invention is described but not is used to limit the present invention.

Claims (28)

1. real-time method of payment of check, comprising, adopting accepting terminal that the information that is loaded with on the check is read and generate the check reading of data, relevant information from described check to described accepting terminal that import generates check input data;

Described accepting terminal sends described check reading of data and check input data to store paying by check side and the check side of collecting user profile processing platform, described processing platform is handled the data that receive, and feedback acknowledgment information gives described accepting terminal, thereby realizes the real-time payment of check.

2. method according to claim 1 is characterized in that, the information that is loaded with on the described check comprises at least: paying by check side's number of the account, check number.

3. method according to claim 1 is characterized in that, the relevant information of described check comprises at least: payment cipher, dealing money.

4. method according to claim 1, it is characterized in that, described accepting terminal comprises check reading device and POS machine, adopt described check reading device that the information that is loaded with on the check is read and generate the check reading of data, and send described check reading of data to described POS machine; In described POS machine, store terminal datas such as terminal number, user number, serial number;

Relevant information from described check to described POS machine that import generates check input data;

Described POS machine sends described check reading of data, check input data and terminal data to described processing platform.

5. method according to claim 4, it is characterized in that comprising following concrete steps: the information that is loaded with on the described check is check account number, check number, payment cipher, the date of getting the ticket endorsed, dealing money, and described check account number, check number are placed on the described check with the form of bar code;

Described check reading device reads data such as number of the account, check number and sends described POS machine to from the check bar code; Finish the input of the relevant information of the amount of money and checks such as password or change code signature again by described POS machine, and packing data is uploaded, show simultaneously and the printout relevant information.

6. method according to claim 1, it is characterized in that, described processing platform comprises the overall treatment front end processor, stores the main frame of paying by check side and the check side of collecting user profile, described POS machine sends packing data to described overall treatment front end processor, described overall treatment front end processor sends described main frame to the data that packet will receive after will handling then with data processing, described main frame is handled the data that receive, and gives described accepting terminal through described overall treatment front end processor feedback acknowledgment information.

7. method according to claim 5 is characterized in that comprising following concrete steps:

Described check reading device reads data such as number of the account, check number and sends described POS machine to from the check bar code;

Described POS machine shows data such as the number of the account that receives, check number and generates the check reading of data; Finish the input of the relevant information of checks such as the amount of money and password again by described POS machine, and generate check input data; Store terminal datas such as terminal number, user number, serial number in described POS machine, described POS machine sends described check reading of data, check input data and terminal data packing to described processing platform;

Described processing platform comprises the overall treatment front end processor, stores the main frame of paying by check side and the check side of collecting user profile, the packet that described overall treatment front end processor is served the POS machine receives, after untiing packet, serial number, terminal number, user number etc. are carried out verification, keep a record after verification is qualified and show, simultaneously this group information is carried out the packing second time and send described main frame to;

Described main frame is handled the data that receive, and the confirmation packing is fed back to described overall treatment front end processor; Described overall treatment front end processor returns when bag accepting the check processing host, do unpack, processing such as verification, record, reach described accepting terminal after the encryption.

8. method according to claim 7 is characterized in that comprising following concrete steps:

Check consumer sale to the same day carries out just dashing of account, imports or read original check number of the account, original check number, former transaction retrieving reference number promptly by hand;

The POS machine is organized transaction data to wrap and is sent the overall treatment front end processor; The overall treatment front end processor will send main frame on the packet;

Main frame comprises the general inspection of MAC, contributing unit archives, POS archives etc.; Read daily record, the amount of money, number of the account, check number are checked; Tissue comprises the data call job accounting interface of data such as number of the account, check number, detailed serial number, the amount of money; After calling the job accounting interface success, upgrade daily record, and return success information; Output Transaction Success information, and print with bar.

9. method according to claim 7 is characterized in that comprising following concrete steps:

Before current transaction sent, the unknown transaction file of POS machine check if there is unknown transaction, then at first sent unknown transaction;

It is obstructed out-of-date that main frame carries out the MAC verification, then returns terminals such as new MAC KEY, PIN KEY and the A KEY serial number information of registering, and terminal reorganizes unknown transaction bag with new MAC KEY and PIN KEY, on send main frame; Main frame is not found former transaction, then registers the unknown schedule of dealing that leaves a question open;

The unknown transaction that the MAC verification is passed through, whether serial number and the last trade serial number in the POS machine archives of judging transaction equate that equal then former transaction has been served main frame and successfully handled, and need recover account according to daily record, otherwise send the transaction of main frame on being judged to not, register the unknown schedule of dealing that leaves a question open;

Main frame is handled with just dashing of corresponding transaction the accounting processing of the unknown transaction;

After the unknown transaction processing success, the daily record of record peony-card is upgraded files on each of customers, POS machine archives;

For handling unsuccessful unknown transaction, also need to write down the unknown schedule of dealing that leaves a question open; After record is finished, be set to the merit Returning mark.

10. method according to claim 7 is characterized in that comprising following concrete steps:

The user rolls account on accepting terminal, if accepting terminal has unknown transaction, then carry out the unknown earlier and handle; Daily record adds up and gathers according to terminal, prints and rolls bill the same day.

11. method according to claim 7 is characterized in that comprising following concrete steps:

Import to accepting terminal: Currency Type, the number of the account that writes off, the other side's number of the account, serial number, voucher kind, voucher number, the date of issuance, check limit, voucher password, summary; Import in the foreign currency business: statistics codes, clearing form, date of value;

Data are checked;

Host process: teller's validity checking; The verification of communication district; Upgrade the corresponding record that keeps accounts of the detailed account in inner family, be the state that writes off; Account is handled: check account status, just pen is handled, and upgrades account status, remaining sum, reserved amount; Note main frame clearing class transaction log; The note teller rolls the account table; Clearing class transaction log; Return the account name in an account book; The printout transaction is with bar.

12. method according to claim 7 is characterized in that comprising following concrete steps:

Accounting processing: borrow during online consumption to be that contact check family, loan are 284 to check and write off the family; Borrowing during online checking and writing off is 284 to check and write off the family, borrow into trade company toward vostro account.

13. method according to claim 7 is characterized in that, also is provided with user management module, Transaction Inquiries module, system maintaining module, day whole processing module in described overall treatment front end processor;

Wherein:

Adopt described user management module to carry out the inquiry of the additions and deletions of the maintenance of user's additions and deletions and user profile, check accepting terminal and maintenance, user profile;

Adopt described Transaction Inquiries module to carry out day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry;

Adopt described system maintaining module to carry out data backup, additions and deletions operator and retouching operation person's password;

Adopt a day whole processing module to carry out report generation and report printing, reach day whole a processing.

14. method according to claim 7, it is characterized in that, after described check processing host receives the payment information that the user sends by described check overall treatment front end processor, number of the account, check number, the payment cipher of paying by check side carried out verification and detain account in real time and handle; Carrying out pending accounts then handles; Treat to do the processing that keeps accounts after the check side of collecting sends to check and acceptance(check).

15. method according to claim 14 is characterized in that, described check processing host need be carried out day processing eventually, that is: support the pending accounts subject balance according to the check pin that the check side of collecting hands over to, and count in the check side of the collecting account, to realize the account balance.

16. method according to claim 7 is characterized in that, described POS machine can read magnetic card, and the data that will read from described magnetic card send described main frame to and handle.

17. the real-time payment system of check is characterized in that comprising: the accepting terminal and the processing platform that become with POS mechanism by the check reading device;

Wherein:

Described check reading device is connected with the communication interface of described POS machine;

Described POS machine is connected with described processing platform by communication network;

Described check reading device reads the information that is loaded with on the check and generates the check reading of data, and sends this check reading of data to described POS machine; The relevant information that described POS machine is gathered check generates check input data, and send described check reading of data and check input data to described processing platform, described processing platform is handled the data that receive, and feedback acknowledgment information gives described accepting terminal, thereby realizes the real-time payment of check.

18. system according to claim 17 is characterized in that, described check reading device is connected with the communication interface of described POS machine and is meant: described check reading device is connected with the RS-232 mouth of described POS machine.

19. system according to claim 17, it is characterized in that, described POS machine is connected with described processing platform by communication network and is meant: a plurality of accepting terminal insert public telephone network (PSTN) respectively by its POS machine, described processing platform also inserts public telephone network, thereby realizes being connected of a plurality of check accepting terminal and described check processing platform.

20. system according to claim 17, it is characterized in that, described POS machine is connected with described processing platform by communication network and is meant: a plurality of accepting terminal insert X.25 private wire network respectively by its POS machine, described processing platform also inserts X.25 private wire network, thereby realizes being connected of a plurality of check accepting terminal and described check processing platform.

21. system according to claim 17 is characterized in that, described check reading device is the bar code reading device.

22. system according to claim 17 is characterized in that, described processing platform comprises: network controller, overall treatment front end processor, main frame; Wherein: described network controller is connected with communication network, overall treatment front end processor respectively; The overall treatment front end processor is connected with main frame.

23. system according to claim 17 is characterized in that, described overall treatment front end processor, main frame are computing machine; Described communication network is meant public telephone network or private wire network X.25.

24. system according to claim 23 is characterized in that also comprising printer, this printer is connected with described overall treatment front end processor, and described overall treatment front end processor comprises:

User management device: constitute by the logical circuit that can carry out the maintenance of user's additions and deletions and user profile, the additions and deletions of check accepting terminal and maintenance, user profile inquiry;

Transaction Inquiries device: constitute by the logical circuit that can carry out day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry;

System maintenance device: constitute by the logical circuit that can carry out data backup, additions and deletions operator and retouching operation person's password;

Day whole treating apparatus: by can carry out report generation and report printing, and a logical circuit of day handling eventually constitute.

25. system according to claim 23 is characterized in that, described main frame comprises:

Verification and button account device: constitute by can carrying out verification to number of the account, check number, the payment cipher of paying by check side and detain the logical circuit that account handles in real time;

Pending accounts device: constitute by the logical circuit that can carry out the pending accounts processing;

Device keeps accounts: the logical circuit of handling constitutes by carrying out an acceptance inspection to the check that the check side of collecting sends to and keep accounts.

26. system according to claim 23, it is characterized in that described main frame also comprises a day whole treating apparatus: it is supported the pending accounts subject balance and is counted in the check side of the collecting account by the check pin of handing over to according to the check side of collecting and constitutes with the logical circuit of realizing the account balance.

27. the real-time payment system of check is characterized in that comprising:

By a bar code reading device and accepting terminal, network controller, overall treatment precomputer, the main frame that the POS machine connects and composes by the RS-232 communication interface;

Wherein:

A plurality of described accepting terminal insert public telephone network respectively by its POS machine; Described network controller is connected with public telephone network, overall treatment precomputer respectively; The overall treatment precomputer is connected with main frame;

Described overall treatment precomputer connects printer, and described overall treatment precomputer comprises: the user management device that can carry out the maintenance of user's additions and deletions and user profile, the additions and deletions of check accepting terminal and maintenance, user profile inquiry; Can carry out the Transaction Inquiries device of day trade transaction inquiry, historical trading inquiry, the inquiry of check accepting terminal portfolio, subscriber traffic inquiry; Can carry out the system maintenance device of data backup, additions and deletions operator and retouching operation person's password; Can carry out report generation and report printing, reach a day whole day whole treating apparatus of handling;

Described main frame comprises: can carry out verification to number of the account, check number, the payment cipher of paying by check side and detain verification and the button account device that account is handled in real time; Can carry out the pending accounts device that pending accounts are handled; The device that keeps accounts that can carry out an acceptance inspection to the check that the check side of collecting sends to and keep accounts and handle.

28. system according to claim 27 is characterized in that, described POS machine comprises: the magnetic card reading device.

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