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    • 4. 发明申请
    • USER TERMINAL AND PAYMENT SYSTEM
    • 用户终端和付款系统
    • US20140164252A1
    • 2014-06-12
    • US14114740
    • 2012-05-04
    • Hongfeng ChaiZhijun LuShuo He
    • Hongfeng ChaiZhijun LuShuo He
    • G06Q20/32G06Q20/38
    • G06Q20/3227G06F21/31G06F21/83G06Q20/32G06Q20/4012G07F7/1025H04L9/3215H04L9/3226H04L2209/56H04L2209/805
    • The invention provides a user terminal and a payment system. The user terminal comprises an input device, a multi-channel selection switch, an application module, a processor, a password processing module, and a security IC chip containing information on user's ID and/or banking card therein, wherein the multi-channel selection switch is coupled with the input device, the password processing module and the processor, the password processing module is coupled with the processor, and the security IC chip is coupled with the password processing module; the application module controls the multi-channel selection switch via the processor so as to place the user terminal in a password input mode or in a normal input mode. The invention ensures the safety in entering the user's password in hardware configuration so that even when software system of the user terminal is not safe in itself, the safety of input password can be ensured.
    • 本发明提供一种用户终端和支付系统。 用户终端包括输入设备,多通道选择开关,应用模块,处理器,密码处理模块和包含其中的用户ID和/或银行卡信息的安全IC芯片,其中多通道选择 开关与输入设备,密码处理模块和处理器耦合,密码处理模块与处理器耦合,安全IC芯片与密码处理模块耦合; 应用模块经由处理器控制多通道选择开关,以将用户终端置于密码输入模式或正常输入模式。 本发明确保在硬件配置中输入用户密码的安全性,使得即使用户终端的软件系统本身不安全,也可以确保输入密码的安全性。
    • 5. 发明申请
    • Computer processing system for realizing data upgrade and a data upgrading method
    • 实现数据升级的计算机处理系统和数据升级方法
    • US20090234906A1
    • 2009-09-17
    • US11921034
    • 2006-05-24
    • Hongfeng ChaiYuemin QiRui GuoShuo HeWenbin Hu
    • Hongfeng ChaiYuemin QiRui GuoShuo HeWenbin Hu
    • G06F15/16G06F9/445
    • G06F8/656
    • A computer processing system for implementing data upgrade includes a communication interface device, at least two application servers and a database server for storing data, wherein the communication interface device detects in real-time a connection state of the communication interface device and each of the application servers, and sends data received from external to an application server connected with itself for processing; all the application servers are connected with the database server to process data and store the processed data in the database server, the data upgrade is implemented in batch for the application servers requiring the data upgrade by disconnecting the application servers from the communication interface device and reestablishing the connection of the application servers with the communication interface device after the data upgrade is completed. During the data upgrade, upgrade may be implemented without shut-down of the system. Most importantly, all the servers available in the system always work at the same time and share the burden in switching, thus improving the working efficiency of the whole system.
    • 用于实现数据升级的计算机处理系统包括通信接口设备,至少两个应用服务器和用于存储数据的数据库服务器,其中通信接口设备实时检测通信接口设备和应用中的每一个的连接状态 将从外部接收的数据发送到与其自身连接的应用服务器进行处理; 所有应用服务器都与数据库服务器连接,以处理数据并将处理后的数据存储在数据库服务器中,通过从应用服务器与通信接口设备断开连接并重新建立数据,数据升级通过批处理实现需要数据升级的应用服务器 数据升级完成后应用服务器与通信接口设备的连接。 在数据升级过程中,升级可能不会关闭系统。 最重要的是,系统中可用的所有服务器始终在同一时间工作,并分担交换的负担,从而提高整个系统的工作效率。
    • 6. 发明授权
    • Computer processing system for realizing data upgrade and a data upgrading method
    • 实现数据升级的计算机处理系统和数据升级方法
    • US08191058B2
    • 2012-05-29
    • US11921034
    • 2006-05-24
    • Hongfeng ChaiYuemin QiRui GuoShuo HeWenbin Hu
    • Hongfeng ChaiYuemin QiRui GuoShuo HeWenbin Hu
    • G06F9/445G06F15/16
    • G06F8/656
    • A computer processing system for implementing data upgrade includes a communication interface device, at least two application servers and a database server for storing data, wherein the communication interface device detects in real-time a connection state of the communication interface device and each of the application servers, and sends data received from external to an application server connected with itself for processing; all the application servers are connected with the database server to process data and store the processed data in the database server, the data upgrade is implemented in batch for the application servers requiring the data upgrade by disconnecting the application servers from the communication interface device and reestablishing the connection of the application servers with the communication interface device after the data upgrade is completed. During the data upgrade, upgrade may be implemented without shut-down of the system. Most importantly, all the servers available in the system always work at the same time and share the burden in switching, thus improving the working efficiency of the whole system.
    • 用于实现数据升级的计算机处理系统包括通信接口设备,至少两个应用服务器和用于存储数据的数据库服务器,其中通信接口设备实时检测通信接口设备和应用中的每一个的连接状态 将从外部接收的数据发送到与其自身连接的应用服务器进行处理; 所有应用服务器都与数据库服务器连接,以处理数据并将处理后的数据存储在数据库服务器中,数据升级通过从应用服务器与通信接口设备断开连接而重新建立数据升级, 数据升级完成后应用服务器与通信接口设备的连接。 在数据升级过程中,升级可能不会关闭系统。 最重要的是,系统中可用的所有服务器始终在同一时间工作,并分担交换的负担,从而提高整个系统的工作效率。
    • 7. 发明授权
    • Bankcard transaction exchange system
    • 银行卡交易系统
    • US07617152B2
    • 2009-11-10
    • US11661717
    • 2005-08-29
    • Hongfeng ChaiHuaiguang ShanYuemin QiRui GuoWenbin HuJintan WuBaohua Li
    • Hongfeng ChaiHuaiguang ShanYuemin QiRui GuoWenbin HuJintan WuBaohua Li
    • G06Q40/00
    • G06Q20/381G06Q20/04G06Q20/10G06Q40/02
    • A novel bankcard transaction exchange system, which is also an exchange network and a settlement network of various bankcard transactions at the same time, comprising: a processing center, at least one backup center, and a plurality of member institutions connected to the processing center via a network, characterized in that: the processing center is configured with a switching subsystem and a batch processing subsystem, and it can achieve interoperability effectively. The system of the invention is a bankcard transaction processing platform which can realize “centralized exchange and unified settlement”, wherein advanced switching technologies are employed, various network access interfaces may be compatible; transaction exchange and settlement of various currencies and various cards are supported; parameterized function configuration is supported; it may be adapted to the changes of the market, and easy for function expansion; it is convenient for users; it is secure and reliable; and the peak transaction capacity can meet the requirements of the development of future bankcard service.
    • 一种新颖的银行卡交易交换系统,同时也是交换网络和各种银行卡交易的结算网络,包括:处理中心,至少一个备用中心和连接到处理中心的多个成员机构,经由 网络,其特征在于:处理中心配置有交换子系统和批处理子系统,可以有效实现互操作。 本发明的系统是可以实现“集中交换和统一结算”的银行卡交易处理平台,其中采用先进的交换技术,各种网络接入接口可兼容; 支持各种货币和各种卡的交易交换和结算; 支持参数化功能配置; 它可能适应市场的变化,容易进行功能扩展; 方便用户使用; 它是安全可靠的; 高峰交易能力可以满足未来银行卡服务发展的要求。
    • 8. 发明申请
    • Novel Bankcard Transaction Exchange System
    • 新型银行卡交易系统
    • US20080098393A1
    • 2008-04-24
    • US11661717
    • 2005-08-29
    • Hongfeng ChaiHuaiguang ShanYuemin QiRui GuoWenbin HuJintan WuBaohua Li
    • Hongfeng ChaiHuaiguang ShanYuemin QiRui GuoWenbin HuJintan WuBaohua Li
    • G06F9/46
    • G06Q20/381G06Q20/04G06Q20/10G06Q40/02
    • A novel bankcard transaction exchange system, which is also an exchange network and a settlement network of various bankcard transactions at the same time, comprising: a processing center, at least one backup center, and a plurality of member institutions connected to the processing center via a network, characterized in that: the processing center is configured with a switching subsystem and a batch processing subsystem, and it can achieve interoperability effectively. The system of the invention is a bankcard transaction processing platform which can realize “centralized exchange and unified settlement”, wherein advanced switching technologies are employed, various network access interfaces may be compatible; transaction exchange and settlement of various currencies and various cards are supported; parameterized function configuration is supported; it may be adapted to the changes of the market, and easy for function expansion; it is convenient for users; it is secure and reliable; and the peak transaction capacity can meet the requirements of the development of future bankcard service.
    • 一种新颖的银行卡交易交换系统,同时也是交换网络和各种银行卡交易的结算网络,包括:处理中心,至少一个备用中心和连接到处理中心的多个成员机构,经由 网络,其特征在于:处理中心配置有交换子系统和批处理子系统,可以有效实现互操作。 本发明的系统是可以实现“集中交换和统一结算”的银行卡交易处理平台,其中采用先进的交换技术,各种网络接入接口可兼容; 支持各种货币和各种卡的交易交换和结算; 支持参数化功能配置; 它可能适应市场的变化,容易进行功能扩展; 方便用户使用; 它是安全可靠的; 高峰交易能力可以满足未来银行卡服务发展的要求。