WO2009065259A1 - Multi-function pos system and method - Google Patents

Abstract

A multi-function POS system and a method are provided. Besides general POS payment function, the multi-function POS system still has functions of paying charge, printing bill, selling ticket, market surveying, printing authentication data report and so on. A general POS system can only be used to pay by reading the custom bank card(2) and deducting expense from the bank card(2) account through card issuing bank(5). A multi-function POS terminal can be used to print bill, sell ticket, carry out market survey, print authentication data report and so on. A user reads a bank card(2) by the multi-function POS terminal(1), and processes corresponding operations through card acceptance bank(3), payment gateway(4) , additional service server(6) and so on, then realizes operations of printing bill, paying charge, buying varied tickets, market surveying, printing authentication data report and so on. The multi-function POS system fully utilizes source of existing POS network and provides convenient services of paying charge, printing bill, selling ticket, market surveying, printing authentication data report and so on.

Description

 Multifunctional POS machine system and method

[Technical Field]

 The present invention relates to the field of data processing and communication technologies, and in particular to a system and a corresponding method for using a POS machine as a tool for printing payment bills, paying bills, selling tickets, selling tickets, market research, printing certification materials, and the like.

【Background technique】

 With the rapid development of the Internet and e-commerce, the development of electronic payment is very rapid. Due to the convenience of use and the need to carry large amounts of cash, more and more people use electronic payment. The most common is that customers use various bank cards. P0S machine card payment, currently only a small scale of merchants, most of them have P0S machine system, as of the end of 2006, there are 890,000 P0S machines in China, P0S machine coverage is very large, but the current general P0S The machine system can only be used for the purpose of collecting money from customers, and does not fully utilize the resources of the existing POS system. At present, public institutions such as water, electricity, coal, and telephones generally send bills to users during monthly bill settlement, and then users pay bills to designated locations, or pay through other channels. It is a problem to be solved to issue bills by mail and consume considerable manpower costs. In addition, the current general ticket sales and other work, such as tickets for sports competitions, concert tickets, tickets, boat tickets, airline tickets, etc., generally require customers to purchase at a designated location, which is very inconvenient for customers, and is awaiting solved problem.

[Summary of the Invention]

The object of the present invention is to provide a multifunctional POS machine system and corresponding method, which utilizes a POS machine to provide applications for payment, printing of bills, ticket sales, market research, printing of authentication materials and the like. The object of the present invention is to achieve such a POS machine system, characterized in that the system includes a bank card (2) installed in each merchant POS machine (1), each user, and an acquiring bank ( 3), payment gateway (4), card issuing bank (5), one or more additional service servers (6), wherein the P0S machine (1) installed in each merchant and the acquiring bank (3) are connected by telecommunications, and the payment gateway (4) Connect with the acquiring bank (3), the issuing bank (5), and the additional service servers (6), and operate according to the predetermined procedures to realize payment, print payment bills, payment, sales of tickets, Check additional business functions such as credit information, enquiry history, and enquiry registration information.

 And adopting such a method for selling tickets through a POS machine, adopting the above-described POS machine system, characterized in that the method includes inputting, by a merchant, a material of a ticket to be purchased by a user through a POS machine (1), and The user's bank card (2) is swiped by the POS machine (1), and then the account bank (3), the payment gateway (4), and the issuing bank (5) are used to transfer the account card from the bank card (2). The fee for the ticket is in the bank account of the company that sold the ticket. After the transfer is successful, the accounting system server (601) of the company that sells the ticket passes the ticket through the payment gateway (4) and the acquiring bank (3). The check information of the voucher is transmitted to the P0S machine (1), and the ticket carrying the check information is printed by the P0S machine (1) to the user.

And adopting such a method for paying by the POS machine, adopting the POS machine system described above, characterized in that the method comprises: inputting, by the merchant, the type or number of the bill to be paid by the user through the POS machine (1), and The user's bank card (2) is swiped by the POS machine (1), and then the billing system server (601) corresponding to the bill type or number is extracted by the acquiring bank (3) and the payment gateway (4). Bank card (2) The total amount of the unpaid bill of the bundled account, the total amount stated by the payment gateway (4) is transmitted to the POS machine (1) through the acquiring bank (3), by the POS machine (1) The total amount is displayed to the user; if the user agrees to pay the fee immediately, the POS machine (1) transfers the account from the bank card (2) through the acquiring bank (3), the payment gateway (4), and the issuing bank (5). The total amount of money to the accounting system server (601) In the corresponding bank account, after the transfer is successful, the payment gateway (4) passes the acquiring bank.

(3) and P0S machine (1) Print the receipt to the user.

 And adopting such a method for collecting information by using a POS machine, adopting the foregoing POS machine system, wherein the method comprises: inputting, by a merchant, a type or number of information to be collected through a POS machine (1), And the user's bank card (2) is swiped by the POS machine (1), and then the type or number of the collected information is collected by the acquiring bank (3), the payment gateway (4), and the collection information server (602). The corresponding question information and option information are transmitted to the POS machine (1) for display to the user, and the user selects one or more of the question information and the option information corresponding to the question information in the POS machine (1). The option information selected by the user is then transmitted by the POS machine (1) to the collection information server (602) through the acquiring bank (3) and the payment gateway (4).

 And adopting such a method for querying the authentication data by the POS machine, adopting the foregoing POS machine system, wherein the method comprises: inputting, by the merchant, the authentication data item to be queried by the user through the POS machine (1) Or query the data, and use the P0S machine (1) to swipe the user's bank card (2), and then through the acquiring bank (3) and payment gateway

(4) extracting the authentication data report corresponding to the query data in the authentication data server (603) corresponding to the query data, and then the payment gateway (4) reports the authentication data through the telephone network (9) by SMS or MMS is sent to the user's mobile phone (11) for viewing, or payment gateway

(4) Print the certification data report to the user for viewing through the POS machine (1).

 This achieves the object of the present invention.

 The invention has the advantages of fully utilizing the existing resources of the existing POS network and the payment gateway, and providing convenient and fast payment, ticket sales, market research, and querying authentication materials and the like.

[Description of the Drawings]

 1 is a schematic explanatory view showing the structure of a POS machine system of the present invention;

Figure 2 is a schematic explanatory view showing the steps of a method of selling tickets by the POS machine system of the present invention; Figure 3 is a schematic explanatory view showing the steps of a method for paying a bill by the POS machine system of the present invention; Figure 4 is a schematic explanatory view showing the steps of a method for printing a bill by the POS machine system of the present invention;

 Figure 5 is a schematic explanatory diagram showing the steps of a method for collecting information by the POS machine system of the present invention;

 Figure 6 is a schematic explanatory view showing the structure of the POS machine system of the present invention to which the telephone network (9) is connected;

 7 is a schematic explanatory diagram of a step of bundling a user's bank card (2) and a mobile phone (11) telephone number by the POS system of FIG. 6;

 Figure 8 is a schematic explanatory diagram of the steps of the method for ticket sales by the POS machine system of Figure 6; Figure 9 is a schematic explanatory diagram of the steps for querying the user to purchase ticket records by the POS machine system of Figure 6;

 10 is a schematic explanatory diagram of a step of inquiring a user to purchase a ticket record by using a POS system of FIG. 6 in a short message manner;

 Figure 11 is a schematic explanatory diagram showing the steps of a method for inquiring a bill by the POS machine system of the present invention;

 Figure 12 is a schematic explanatory diagram of the steps of querying the authentication data by the POS machine system; Figure 13 is a schematic explanatory diagram of the steps of re-printing the authentication data by the POS machine system; in the figure, the same numerals represent the same system, device, and components. The device, method steps are marked with the number of the circle and the line with the arrow. The drawings are schematic to illustrate the main steps of the construction and method of the system of the present invention.

【detailed description】

 The method of the present invention will be further described in detail below with reference to the accompanying drawings.

Referring to Figure 1, Figure 1 is a schematic diagram showing the structure of a POS machine system of the present invention. The system shown in the figure includes a bank card (2) installed in each merchant POS machine (1), and a bank card (2) for each user. Line (3), payment gateway (4), card issuing bank (5), one or more additional service servers (6), wherein the P0S machine (1) installed in each merchant is connected to the acquiring bank (3) by telecommunications. The payment gateway (4) is connected to the acquiring bank (3), the issuing bank (5), and the additional service servers (6), and operates according to a predetermined procedure to realize payment, print payment bills, payment, and sales of tickets. Additional business functions such as coupons, enquiry credit information, enquiry history, and enquiry registration information.

 Continuing to refer to FIG. 1, the main difference between the POS machine (1) of the present invention and a general POS machine is that the POS machine (1) of the present invention is provided with two printers, respectively, a receipt printer and a receipt printer, wherein The receipt printer is mainly used for printing payment receipts; the document printer is mainly used for printing various types of documents, including payment bills, tickets, certification data reports, and the like. In addition, it is also possible to provide a function of printing payment receipts and printing various types of documents by using only one printer, and the objects of the present invention can be well achieved, and are all within the scope of protection of the present invention.

 Continue to refer to Figure 1. The payment gateway (4) shown in the figure records the bank card of each user.

(2) Bundling information, the binding information includes the card number of the user's bank card (2) and/or the account number of the user in each additional service server (6). In this specification, the payment gateway (4) is a bank card acceptance network such as a bank card payment network, and the payment gateway (4) may be a China UnionPay card network, a VISA network, a MasterCard network, an American Express card network, etc. Class bank card acceptance network. In addition, in this specification, the acquiring bank (3) is a bank or financial institution that provides the POS machine (1) to the merchant. In some cases, the acquiring bank (3) and the issuing bank (5) may be the same bank or Financial institutions, acquiring banks (3) and issuing banks (5) can also be different banks or financial institutions, acquiring banks (3) can also be used with payment gateways.

(4) It is the same bank or financial institution, that is, the acquiring bank (3) is both the acquiring bank and the bank card receiving network, regardless of whether the acquiring bank (3) and the issuing bank (5) are the same bank or financial institution. Whether the acquiring bank (3) and the payment gateway (4) are the same bank or financial institution can well achieve the object of the present invention, and all fall within the scope of protection of the present invention. In addition, the bank card (2) described in this specification is a magnetic card or smart card used by the user as an account voucher at the time of payment, including a credit card, a debit card, a credit card issued by a bank or a financial institution or a credit card company, Withdrawal card, ATM card, stored value card, charge card, card for payment purposes.

 Continuing to refer to Figure 1, the additional service server (6) shown includes a billing system server (601) and/or a collection information server (602) and/or a certification material server (603).

 among them,

 The accounting system server (601) is a server of a accounting computer system of a company or institution such as a major public institution, a school, a property management company, a company selling tickets, or the like; for example, the accounting system server (601) may be for sale. The company's accounting computer system server, billing system server (601), such as water, coal, telephone, etc., can also be used for bills, tickets, tickets, tickets, tickets for sports tickets, concert tickets, etc. The computer system server, the accounting system server (601) may also be a rental computer system server of the property management company, etc.;

 The collection information server (602) is mainly used for collecting a bank card (2) selection information of a card owner for a specified item;

 The authentication data server (603) is mainly used for providing a certification data report, and the certification information includes: a bank card (2) credit information of the card owner, a bank card (2) academic qualification information of the card owner, and a bank card (2) The card holder's work qualification information, bank card (2) card owner's identification information, bank card (2) card owner's household registration data, real estate registration information, company registration information, tourist visa information, etc.

In terms of setting, servers such as the accounting system server (601), the collection information server (602), and the authentication data server (603) may be set in the servers or companies of the servers themselves, such as the accounting system server for airlines to sell tickets ( 601) can be set in the airline, the gas company's accounting system server (601) can be set in the gas company, the advertising company's collection information server (602) can be set in the advertising company, the authentication data server (603) may be set in the organization providing the authentication data; or the servers such as the accounting system server (601), the collection information server (602), and the authentication material server (603) may be set in the payment gateway (4), or The functions of these servers are integrated into the computer system of the payment gateway (4), which can reduce the cost of the server; they can also be set up in the issuing bank (5), or the functions of these servers can be integrated into the issuing bank ( 5) In the computer system, the issuing bank (5) provides services such as payment, printing bills, ticket sales, market research, and querying authentication materials; regardless of the accounting system server (601), the collection information server (602), and the authentication data. Servers such as servers (603) are installed in these servers' own companies or organizations, or they are set up in the payment gateway (4), or the functions of these servers are integrated into the computer system of the payment gateway (4), or these servers are Set up at the issuing bank (5), or integrate the functions of these servers into the computer of the issuing bank (5) The objects of the present invention are well achieved in the system and are within the scope of the present invention.

 Referring to FIG. 2, FIG. 2 is a schematic explanatory diagram of the steps of a method for ticket sales by the POS machine system of the present invention, wherein the accounting system server (601) is a ticket server of a merchant or institution that sells tickets, Tickets include: tickets, tickets, airline tickets, movie tickets, sports tickets, concert tickets, etc. Referring to FIG. 2, FIG. 2 shows a method for selling tickets through a POS machine, the method comprising: inputting, by a merchant, a material of a ticket to be purchased by a user through a POS machine (1), and using the POS machine (1) to the user. The bank card (2) performs the card swipe operation, and then purchases the ticket from the account bank (3), the payment gateway (4), and the issuing bank (5) from the account of the bank card (2) to sell the ticket. In the bank account of the company of the voucher, after the transfer is successful, the accounting system server (601) of the company selling the ticket transmits the verification information of the ticket to the P0S through the payment gateway (4) and the acquiring bank (3). Machine (1), the ticket carrying the verification information is printed by the POS machine (1) to the user.

Continuing to refer to FIG. 2, the method shown in the figure includes the following group A steps, which are steps for the user to purchase the ticket at the merchant using the bank card (2). The specific steps are as follows: Al. The merchant enters the order information of the ticket to be purchased by the user at the POS machine (1), and then reads the bank card by swiping the user's bank card (2) through the POS machine (1).

(2) Swipe information; the order information includes the type, grade, seat number and the like of the ticket, and the card information includes a bank card (2) card number, payment password and the like;

 A2. P0S machine (1) Pass the card information and the order information through the acquiring bank

(3) and the payment gateway (4) is transmitted to the accounting system server of the company that sells the ticket (601);

 A3. The accounting system server (601) checks whether there is enough ticket matching the order information, and after checking that there are enough tickets, the accounting system server (601) calculates the ticket for purchasing the order information. Total amount, and the total amount will be transferred to the payment gateway

(4) requesting payment, and then paying the gateway (4) transmitting the credit card information and the total amount and the bank account number of the company selling the ticket to the issuing bank

(5) requesting payment;

 A4. Issuing bank (5) After checking the card information, the total amount, the bank account number of the company selling the ticket, etc., transfer the total amount of money from the account of the bank card (2) to the sale. In the bank account of the company of the ticket, after the transfer is successful, the issuing bank (5) issues a transfer success message to the accounting system server (601) through the payment gateway (4);

 A5. After receiving the transfer success information, the accounting system server (601) transmits the verification information of the ticket specified by the order data content to the POS machine through the payment gateway (4) and the acquiring bank (3) (1) ) ;

 A6. P0S machine (1) Print the ticket containing the verification information described to the user.

In the present specification, the ticket is printed with verification information for authenticating the ticket, and the verification information includes text information and/or digital information and/or barcode information and/or two-dimensional barcode information. The verification information can verify the authenticity of the ticket, and the verification information of each ticket is unique. In addition to the verification information printed on the ticket, the accounting system server (601) also stores all the verification information records. When the user uses the ticket, the accounting system server (601) verifies the ticket. Whether the verification information is the same as the verification information record saved by the accounting system server (601), after the ticket is used, the accounting system server (601) deletes or marks the verification information record of the ticket as used. The ticket cannot be used again. Just like the current top-up recharge card, each ticket can only be used once.

 Further, in the present specification, in the description of the puncturing operation of the user's bank card (2) by the POS machine (1), the card swipe operation includes the following steps:

 Step 1. Place the user's bank card (2) on the P0S machine (1) for card reading.

 Generally speaking, this step is to swipe the card;

 Step 2. The user inputs the payment password of the bank card (2) in the P0S machine (1); Step 3. The P0S machine (1) prints the step of the user signing the payment receipt after the payment receipt is received;

 When the user uses a bank card such as a debit card, the card swiping operation may include the above steps 1 and 2, and the card swiping operation may also include the above steps 1 and 2 and step 3; when the user uses the credit card In the case of a bank card or the like, the card swiping operation may include the above steps 1 and 2, and the card swiping operation may also include the above steps 1 and 3; different types of bank cards have different requirements, and the card is swiped. During operation, some bank cards need to perform steps 1 and 2. Some bank cards need to perform steps 1 and 3. Some bank cards need to perform steps 1 and 2 and step 3. For convenience of explanation, the card swipe operation includes step 1 And step 2, or the card swipe operation includes steps 1 and 3, or the card swipe operation includes step 1 and step 2 and step 3, which are simply referred to as card swipe operations in the present specification, and the object of the present invention can be well achieved. All belong to the scope of protection of the present invention.

Referring to FIG. 3, FIG. 3 is a schematic explanatory diagram showing the steps of a method for paying by the POS machine system of the present invention. The accounting system server (601) shown in the figure is a bill for paying bills to the bank card (2) card owner. Accounts and computer systems of institutions or companies such as large public institutions, schools, and property management companies System server. Continuing to refer to FIG. 3, FIG. 3 shows a method for paying through a POS machine. The method includes inputting a bill type or number of a user to pay by a merchant through a POS machine (1), and using a POS machine (1) The user's bank card (2) performs a card swipe operation, and then the bank card (2) is bundled by the billing system server (601) corresponding to the bill type or number by the billing bank (3) and the payment gateway (4). The total amount of the unpaid bill of the account, the total amount stated by the payment gateway (4) is transmitted to the POS machine (1) through the acquiring bank (3), and the total amount is displayed to the user by the POS machine (1) Look; if the user agrees to pay immediately, by the POS machine

(1) From the acquiring bank (3), payment gateway (4) and issuing bank (5) from the bank card

(2) The account transfer transfers the total amount of money into the bank account corresponding to the accounting system server (601). After the transfer is successful, the payment gateway (4) passes the acquiring bank (3) and the P0S machine.

(1) Print the receipt to the user.

 Continuing to refer to FIG. 3, the method shown includes the following group B steps, which are steps for the user to use the bank card (2) to pay through the merchant's POS machine (1). The specific steps are as follows: B1. The merchant is at P0S (1) Enter the type or number of the bill to be paid by the user, and then perform the card swiping operation on the bank card (2) of the user through the POS machine (1) to read the card information of the bank card (2); Bank card (2) account information such as card number;

 B2. The POS machine (1) transmits the card swiping data and the bill type or number data to the payment gateway (4) through the acquiring bank (3), and the payment gateway (4) finds the bank according to the card swiping information. Card (2) The bundled account number, and then the account number is transmitted to the accounting system server (601) requesting to withdraw the unpaid billing information of the account number account, the account number is the user in the accounting system server (601 Account number;

 B3. The accounting system server (601) transmits the total amount of the unpaid bill of the account number account to the P0S machine (1) through the payment gateway (4) and the acquiring bank (3);

B4. P0S machine (1) displays the total amount to the user; B5. If the user agrees to pay the fee immediately, enter the confirmation payment information on the P0S machine (1), and the confirmation payment data will be transmitted by the P0S machine (1) to the payment gateway (4) through the acquiring bank (3), and then the payment gateway (4) Transmitting the bank card (2) card number, payment amount, payment password, and bank account number corresponding to the account system server (601) to the card issuing bank (5) requesting payment, the confirmation payment information includes payment amount, payment Password and other information;

 B6. Issuing bank (5) Check the bank card (2) After the card number, payment amount, payment password and bank account number corresponding to the accounting system server (601) are correct, the account from the bank card (2) The money of the internal transfer payment amount is sent to the bank account corresponding to the accounting system server (601), and after the transfer is successful, the issuing bank (5) sends the transfer success information to the accounting system server (601) through the payment gateway (4);

B7. After receiving the transfer success information, the accounting system server (601) updates the payment record of the account number account according to the transfer amount, and passes the payment information such as the transfer amount and the account number through the acquiring bank (3) and payment. Gateway (4) is transmitted to the P0S machine

(1) ;

 B8. P0S machine (1) Print the payment information received on the receipt to the user.

 Referring to FIG. 4, FIG. 4 is a schematic explanatory diagram of the steps of a method for printing a bill by the POS machine system of the present invention, and the method shown in the figure further includes the following group C step, which is to use the bank card (2) before the user pays the fee. The steps to print the bill by the merchant's P0S machine (1) are as follows:

 C1. The merchant is in the P0S machine (1) Enter the type or number of the bill to be printed by the user, and then read the bank card through the P0S machine (1) to the user's bank card (2).

(2) Swipe information; the card information includes bank card (2) account number and other account information;

C2. P0S machine (1) The card information and the bill type or number data are transmitted to the payment gateway (4) through the acquiring bank (3), and the payment gateway (4) is based on the brush The card information finds the account number bundled by the bank card (2), and then transfers the account number to the accounting system server (601) to request the billing information of the account number account, the account number is the user in the account The account number of the system server (601);

 C3. The accounting system server (601) transmits the unpaid billing data of the account number account to the POS machine (1) through the payment gateway (4) and the acquiring bank (3); C4. The POS machine (1) will receive The unpaid billing information is printed on the bill of payment to the user. With continued reference to Figures 3 and 4, in the embodiment of Figures 3 and 4, the user has to pre-register the user's bank card (2) card number and the account number of the user in the accounting system server (601) at the payment gateway (4). , the user's bank card (2) card number and the account number of the user in the accounting system server (601) are bundled together, and the user can then use the bank card to print the user in the accounting system server (601) through the POS machine (1). The bill for the account, or through the POS machine (1). The advantage of the embodiment of Figures 3 and 4 is that the accounting system server (601) does not need to mail the bill to the user, which can save a lot of cost of mailing the bill, and the user can pay the merchant through the POS machine (1) when paying the fee, if When the user has doubts about the amount of payment, the user can pass the POS machine.

(1) After printing the bill and checking the contents of the bill, pay the bill through the P0S machine (1), which saves the paper for printing the bill.

 Referring to FIG. 5, FIG. 5 is a schematic explanatory diagram of a method for collecting information by the POS system of the present invention, and the collection information server (602) shown in FIG. 5 is mainly used for collecting bank cards.

(2) The card owner's selection information for the specified item. Continuing to refer to FIG. 5, FIG. 5 shows a method for collecting information by using a POS machine, which is particularly suitable for collecting market survey information, collecting voting election information, and the like, and the method includes: the merchant passes the POS machine (1) Enter the type or number of information to be collected, and swipe the user's bank card (2) through the POS machine (1), and then through the acquiring bank (3), payment gateway (4) and collection information server (602) The question information and option information corresponding to the type or number of the collected information are transmitted to the POS machine

(1) Display to the user, the user asks the question information and the question in the POS machine (1) One or more of the option information corresponding to the information, and then the P0S machine (1) transmits the option information selected by the user to the collection information server (602) through the acquiring bank (3) and the payment gateway (4).

 Continuing to refer to FIG. 5, the method shown in the figure includes the following steps of group D, which are steps for collecting information through the merchant P0S machine (1). The specific steps are as follows:

 D1. The merchant inputs the type or number of the information to be collected through the P0S machine (1), and then performs the card swiping operation on the bank card (2) of the user through the POS machine (1) to read the card data of the bank card (2); The card information includes account information such as bank card (2) card number;

 D2. P0S machine (1) transmitting the swipe card data and the collected information type or number data to the collection information server (602) through the acquiring bank (3) and the payment gateway (4);

 D3. The collection information server (602) transmits the question information and option information corresponding to the type or number of the collected information to the P0S machine through the payment gateway (4) and the acquiring bank (3) (1);

 D4. P0S machine (1) Display the question information and option information to the user;

 D5. The user selects one or more of the question information and the option information corresponding to the question information in the POS machine (1), and the option information selected by the user is received by the POS machine (1) through the acquiring bank ( 3) and the payment gateway (4) is transmitted to the collection information server (602);

 D6. After the collection information is completed, the collection information server (602) deposits the collected information bonus into the account of the user's bank card (2) through the payment gateway (4) and the issuing bank (5).

Continuing to refer to FIG. 5, the market survey conducted by the embodiment of FIG. 5 is more reliable than the data collected by the general market survey, and the information collection server (602) can pass the data of the bank card. Knowing the true identity of the card owner, this allows for more accurate analysis of the collected data for more reliable results.

 Referring to Figure 6, Figure 6 is a schematic illustration of the structure of the POS machine system of the present invention connected to the telephone network (9), which is a further improvement of the present invention. The system shown in the figure further includes a telephone network (9). The telephone network (9) is composed of a fixed line telephone network, and/or a mobile telephone network. And the payment gateway (4) shown in the figure, in addition to the bundle information of the bank card (2) of each user, the payment gateway (4) also records the mobile phone (11) telephone number, user password and the like of each user. .

 Referring to FIG. 7, FIG. 7 is a schematic diagram of a step of bundling a user's bank card (2) and a mobile phone (11) telephone number by the POS system of FIG. 6, and the user stores the user password in the following E group steps. The method of the payment gateway (4), the figure shows the steps for the user to bundle the bank card (2) and the mobile phone (11) phone number, the specific steps are as follows:

 E1. The user enters his mobile phone (11) phone number through the P0S machine (1), and then the merchant performs the card swiping operation on the user's bank card (2) through the P0S machine (1) to read the card data of the bank card (2); The card information includes bank card (2) card number, payment password and other account materials;

 E2. P0S machine (1) The card data and the user's mobile phone (11) phone number are transmitted to the payment gateway (4) through the acquiring bank (3);

 E3. Payment gateway (4) Transfer the user's bank card (2) card number, payment password, handling fee and other information to the issuing bank (5) request payment;

 E4. Issuing bank (5) Check the bank card (2) After the card number, payment password, handling amount and other information are correct, transfer the amount of the handling fee from the account of the bank card (2) to the bank of the payment gateway (4) In the account, after the transfer is successful, the issuing bank (5) sends a transfer success message to the payment gateway (4);

E5. After receiving the transfer success information, the payment gateway (4) calls the user's mobile phone (11) by the telephone network (9); E6. The user's mobile phone (11) receives the incoming call, and the user knows from the incoming call number that it is the payment gateway.

(4) Incoming call, enter the user password on the mobile phone (11) after answering the call; E7. Payment gateway (4) After checking the user password entered by the user, the user's bank card (2) card number and mobile phone (11) The phone number is bundled, and the user's bank card (2) card number, mobile phone (11) phone number, user password and the like are stored in the payment gateway (4), and then the payment gateway (4) passes the binding success information through the acquiring bank. (3) Transfer to the P0S machine (1) _;

 E8. P0S machine (1) Print the receipt of the bundled success message to the user.

 Referring to FIG. 8, FIG. 8 is a schematic explanatory diagram of the steps of a method for ticket sales by the POS machine system of FIG. 6, which shows a method for ticket sales through a POS machine, the method comprising the following group F step, which is a user using a bank. Card (2) The steps for purchasing the ticket at the merchant are as follows: F1. The merchant enters the order information of the ticket to be purchased by the user in the P0S machine (1), and then the bank card of the user through the POS machine (1) (2) Perform a card swipe operation to read the bank card

(2) Swipe information; the order information includes the type, grade, seat number and the like of the ticket, and the card information includes a bank card (2) card number, payment password and the like;

 F2. P0S machine (1) Pass the card information and the order information through the acquiring bank

(3) and the payment gateway (4) is transmitted to the accounting system server of the company that sells the ticket (601);

 F3. The accounting system server (601) checks whether there is enough ticket matching the order information, and after checking that there are enough tickets, the accounting system server (601) calculates the ticket for purchasing the order information. Total amount, and the total amount will be transferred to the payment gateway

(4) requesting payment, and then paying the gateway (4) transmitting the credit card information and the total amount and the bank account number of the company selling the ticket to the issuing bank

(5) requesting payment; F4. Issuing bank (5) After checking the card information, the total amount, the bank account number of the company selling the ticket, etc., transfer the total amount of money from the account of the bank card (2) to the sale. In the bank account of the company of the ticket, after the transfer is successful, the issuing bank (5) issues a transfer success message to the accounting system server (601) through the payment gateway (4);

 F5. After receiving the transfer success information, the accounting system server (601) transmits the verification information of the ticket specified by the content of the order information to the payment gateway (4);

F6. The payment gateway (4) finds the mobile phone (11) phone number bundled with the user's bank card (2) card number from the record, and then transmits the verification information to the user's mobile phone by SMS or MMS ( 11) _;

 F7. Payment gateway (4) Save the user's purchase ticket details record in the payment gateway (4), and then print the payment receipt of the ticket to the user through the acquiring bank (3) and the P0S machine (1).

 Continuing to refer to FIG. 8 and FIG. 2, the embodiment of FIG. 8 is different from the embodiment of FIG. 2 in that the embodiment of FIG. 8 transmits the verification information of the ticket to the user's mobile phone (11), which is a ticket. In the embodiment of the electronic coupon, when the user uses the electronic ticket, as long as the verification information is displayed on the mobile phone (11), it is equivalent to holding a paper ticket, thereby saving the cost of printing the paper ticket. .

 Referring to FIG. 9, FIG. 9 is a schematic explanatory diagram of a step of querying a user to purchase a ticket record by the POS machine system of FIG. 6, which shows a method for querying a user to purchase a ticket record by using a POS machine, and the method is as follows. It also includes the following G group steps, which are steps for the user to use the bank card (2) to query the purchase ticket record through the merchant's P0S machine (1). The specific steps are as follows:

^Gl. The merchant selects the order information of the purchase ticket record item in the P0S machine (1), and reads the bank card (2) by swiping the user's bank card (2) through the POS machine (1). Data, then the user enters the user password in the POS machine (1); the card information includes the bank card (2) card number, payment password and the like; G2. The POS machine (1) transmits the card data, user password, order information, etc. to the payment gateway (4) through the acquiring bank (3);

 G3. The payment gateway (4) checks the card information, user password, order information, etc., and transmits the user's bank card (2) card number, payment password, fee amount and other information to the issuing bank (5) request Pay

 G4. Issuing bank (5) Check the bank card (2) After the card number, payment password, handling amount and other information are correct, transfer the amount of the handling fee from the account of the bank card (2) to the bank of the payment gateway (4) In the account, after the transfer is successful, the issuing bank (5) sends a transfer success message to the payment gateway (4);

G5. Payment gateway (4) After receiving the transfer success information, the payment gateway (4) finds from the record all the records of the tickets purchased using the user's bank card (2) payment, and then in the record Find all the ticket records that meet the order information, and transfer the ticket records to the P0S machine (1) through the acquiring bank (3) _;

G6. P0S machine (1) Print the ticket record on the receipt to the user.

 Referring to FIG. 10, FIG. 10 is a schematic explanatory diagram of a step of querying a user to purchase a ticket record by using a POS system of FIG. 6 by using a short message method, and the method for querying a user to purchase a ticket record by using a short message method is shown. The method includes the following steps of the H group, which is a step for the user to query the purchase ticket record by sending a short message or a multimedia message. The specific steps are as follows:

 HI. The user sends a text message or a multimedia message to the short message port of the inquiry ticket record specified by the payment gateway (4) by the user mobile phone (11), and the content of the short message or MMS message includes the user password and the order to select the inquiry ticket purchase item. Information

H2. After receiving the SMS or MMS message, the payment gateway (4) finds the user's mobile phone (11) phone number from the source phone number of the SMS or MMS message, finds the user password and the order information from the content of the SMS or MMS message, and checks the mobile phone (11) After the phone number, user password, order information, etc. are correct, the payment gateway (4) finds out all the bank card (2) card numbers bundled with the phone number of the mobile phone (11) from the record, and then finds out from the record All the records of the tickets purchased by the bank card (2) are paid, and then all the ticket records corresponding to the order materials are found out from the records, and the tickets are described by SMS or MMS. The coupon record is transmitted to the user's mobile phone (11);

 H3. Payment gateway (4) Transfer the user's bank card (2) Card number, handling amount and other information to the issuing bank (5) Request payment;

 H4. Issuing bank (5) Checking the bank card (2) After the card number, the amount of the handling fee, etc. are correct, transfer the amount of the handling fee from the account of the bank card (2) to the bank account of the payment gateway (4). After the transfer is successful, the issuing bank (5) issues a transfer success message to the payment gateway (4).

 Referring to FIG. 11, FIG. 11 is a schematic explanatory diagram of steps of a method for querying bills by the POS machine system of the present invention, and the method shown in the figure further includes the following J group steps, which are used by the user before payment, using a bank card (2) The steps to check the bill through the merchant's P0S machine (1) are as follows:

 J1. The merchant inputs the type or number of the bill to be queried by the user in the P0S machine (1), and then performs the card swiping operation on the bank card (2) of the user through the POS machine (1) to read the card data of the bank card (2); The card swiping information includes account information such as a bank card (2) card number;

 J2. P0S machine (1) transmits the card swiping data and the bill type or number data to the payment gateway (4) through the acquiring bank (3), and the payment gateway (4) finds the bank according to the card swiping information. Card (2) the bundled account number and the user's mobile phone (11) phone number, and then transfer the account number to the account system server (601) requesting to extract the billing information of the account number account, the account number is the user The account number in the accounting system server (601);

J3. The accounting system server (601) transmits the unpaid billing data of the account number account to the user through the payment gateway (4) and the telephone network (9) by SMS or MMS to the user's mobile phone (11). Referring to FIG. 12, FIG. 12 is a schematic diagram showing the steps of querying the authentication data by the POS system. The authentication data server (603) is mainly used to provide a certification data report, and the authentication data includes: a bank card ( 2) Credit information of the card owner, bank card (2) Academic qualifications of the card owner, bank card (2) Work qualification data of the card owner, bank card (2) Identification information of the card owner, bank card (2) Card owner Household registration information, real estate registration information, company registration information, tourist visa information, etc. Continuing to refer to FIG. 12, FIG. 12 illustrates a method for querying authentication data by the POS machine system, where the method includes inputting, by a merchant, a query data item such as an authentication data item or a number to be queried by a user through a POS machine (1). And the user's bank card (2) is swiped by the P0S machine (1), and then the inquiry data server (603) corresponding to the query data is extracted through the acquiring bank (3) and the payment gateway (4). The authentication data report corresponding to the data, and then the payment gateway (4) reports the authentication data through the telephone network (9) to the user's mobile phone (11) by SMS or MMS to view the user, or the payment gateway (4) The certification data report is printed to the user for viewing by the POS machine (1).

 Continuing to refer to Fig. 12, the payment gateway (4) shown in Fig. 12 also records information such as the identity number of each user. The ID number information is registered by the user in advance at the payment gateway (4), and the ID number is bundled with the card number of the bank card (2), and the payment gateway (4) can be found by the card number of the bank card (2). The user's ID number information, and the authentication data server (603) knows the identity of the person who queries the authentication information based on the identity card number information. In order to protect personal privacy, some of the authentication materials may not be open to the public. The individual or unit of the data is inquired, for example, some personal resume data, identification data, etc., and the authentication data server (603) knows whether the person who queries the authentication information has the right to inquire the authentication data by using the ID number data, in FIG. The method shown further includes the following K group steps, which are steps for the user to query the authentication data report through the POS machine (1) of the merchant, and the specific steps are as follows:

K1. The merchant enters the information such as the certification data item or number to be queried by the user on the P0S machine (1), and then performs the credit card operation on the user's bank card (2) through the POS machine (1). Reading the card information of the bank card (2); the card information includes a bank card

(2) account information such as card number;

 K2. P0S machine (1) Pass the card information and the inquiry data through the acquiring bank

(3) transmitted to the payment gateway (4);

 K3. The payment gateway (4) finds the authentication data server (603) corresponding to the query data and the receiving bank account number of the authentication data server (603) according to the inquiry data, and the payment gateway (4) finds according to the credit card information. The bank card (2) the card ID number of the card owner, and then the payment gateway (4) transmits the user's bank card (2) card number, payment password, handling fee amount, and receiving bank account number to the issuing bank (5) Request for payment;

 K4. Issuing bank (5) Checking the bank card (2) After the card number, payment password, handling fee amount, and receiving bank account number are correct, transfer the amount of the handling fee from the account of the bank card (2) to the receipt. In the bank account of the bank account number, after the transfer is successful, the issuing bank (5) issues a transfer success message to the payment gateway (4);

K5. The payment gateway (4) transmits the inquiry data and the identification number to the authentication data server (603), and requests to extract the authentication data of the inquiry data;

K6. The certification data server (603) checks the inquiry data and verifies whether the authentication data of the inquiry data can be opened to the person who has the identification number. After checking, the inquiry data is found in the authentication data server (603). The certification data of the data, and the certification information is transmitted to the payment gateway (4) together with a report data such as a report number and a print password;

 K7. The payment gateway (4) keeps the stored certification report storage for future re-printing purposes, and transmits the certification data report to the POS machine (1), and the PIN machine (1) prints the received certification data report to user.

In addition, in the present specification, the certification data report includes authentication data, a report number, and a print password. The report number and print password are mainly used for the user to The purpose of printing the certification data report is to facilitate the user to repeatedly print the same certification data report. The user can also report the certification data report that he has inquired to others, and the other person can print the certification data report again, which is particularly suitable for application. Some personal resume certification data reports, the user can print a personal resume certification data report first, and then read the problem report number and print password on the person's resume certification data report. For example, the job seeker first uses his own bank. Card (2) Print your own personal resume certification data report through the P0S machine (1), and then tell the owner's personal resume certification data report report number and print password, and then print a job seeker's personal resume certification data report. In this way, the employer can determine whether the job seeker's personal resume certification data report is true, and can decide whether to hire the job applicant based on the personal resume certification data report.

 Referring to FIG. 13, FIG. 13 is a schematic explanatory diagram of the steps of reprinting the authentication data report by the POS machine system. The method shown in the figure further includes the following M group steps, in which the user prints the authentication again through the POS machine (1) of the merchant. The steps of the data report, the specific steps are as follows:

 Ml. The merchant enters the report number of the certification data report and the printed password in the P0S machine (1), and then reads the bank card by the user's bank card (2) by the POS machine (1) (2) Card information; the card information includes bank card (2) card number and other account information;

 M2. P0S machine (1) transmitting the card swiping data and the inquiry data to the payment gateway (4) through the acquiring bank (3);

 M3. The payment gateway (4) finds the report number and print password based on the query data, finds the certification data report of the report number in the record stored by the payment gateway (4), and verifies that the print password is correct, the payment gateway (4) Transfer the user's bank card (2) card number, payment password, handling fee amount, bank account number of the payment gateway (4), etc. to the issuing bank (5) to request payment;

M4. Issuing bank (5) Check the bank card (2) After the card number, payment password, handling amount, and bank account number of the payment gateway (4) are correct, from the bank The amount of the account transfer fee in the account of the card (2) is transferred to the bank account of the payment gateway (4). After the transfer is successful, the issuing bank (5) issues a transfer success message to the payment gateway (4);

 M5. Payment gateway (4) The certificate data report is transmitted to the P0S machine (1), and the received certificate data report is printed to the user by the P0S machine (1).

 Continuing to refer to Figures 12 and 13, the embodiments of Figures 12 and 13 are particularly well suited for use with information requiring authentication, such as credit data reports for individuals or organizations, which are particularly useful for some companies to negotiate business, many times Since the P0S machine system of the present invention cannot be determined because the credit status of the other party cannot be determined, the two parties who negotiate the business can print the certified credit information report through the payment gateway (4) and the POS machine (1), thereby reducing the adoption. The traditional method investigates the expenses of the other party's credit status, and can immediately obtain the certification credit information report, which can speed up the progress of business negotiations. In addition, the embodiments of Figures 12 and 13 can also be applied to some government agencies for the people to inquire about some information, such as some real estate registration materials, some company registration materials, and can also be queried by the system and method of the present invention. .

 The POS machine system and the corresponding method of the invention fully utilize the existing resources of the existing POS machine network and the payment gateway, and provide various functions including ticket sales, printing bills, payment, market research, election voting, etc., and its implementation will bring Good social and economic benefits are beneficial to customers, merchants and banks.

Claims

Rights request A POS machine system, characterized in that: the system comprises a bank card (1) installed in each merchant, a bank card (2) of each user, an acquiring bank (3), a payment gateway (4), Card issuing bank (5), one or more additional service servers (6), wherein the P0S machine (1) installed in each merchant is connected with the acquiring bank (3), the payment gateway (4) and the acquiring bank (3) ), the issuing bank (5), each additional service server (6) and other telecommunications connections, and operate according to the predetermined procedures to achieve payment, print payment bills, payment, sales of tickets, inquiry of credit information, inquiry history, inspection Ask for additional business functions such as registration information. 2. The POS machine system according to claim 1, wherein said additional service server (6) comprises a accounting system server (601) and/or an information collection server. (602) and / or certified data server (603),  among them,  The accounting system server (601) is a server of a accounting computer system of a company or institution such as a major public institution, a school, a property management company, a ticket selling company, etc.; the collecting information server (602) is mainly used For collecting bank cards (2) card master selection information for specified items;  The authentication data server (603) is mainly used for providing a certification data report, and the certification information includes: a bank card (2) credit information of the card owner, a bank card (2) academic qualification information of the card owner, and a bank card (2) The card holder's work qualification information, bank card (2) card owner's identification information, bank card (2) card owner's household registration data, real estate registration information, company registration information, tourist visa information, etc. 3. The POS machine system according to claim 1, wherein the POS machine (1) is provided with two printers, respectively a receipt printer and a document printer. among them,  The receipt printer is mainly used to print payment receipts;  The document printer is mainly used to print various types of documents, including payment bills, tickets, and certification data reports. 4. The POS machine system according to claim 1, wherein said bank card (2) is a magnetic card or a smart card used by a user as an account voucher at the time of payment, and is issued by a bank or a financial institution or a credit card company. Credit card, debit card, credit card, ATM card, ATM card, stored value card, charge card, card for payment purposes. The POS machine system according to claim 1 or 2 or 3 or 4, wherein the ticket is printed with verification information for authenticating the ticket, and the verification information includes text information and / or digital information and / or bar code information and / or two-dimensional bar code information. 6. The POS machine system according to claim 2, wherein the authentication data report includes authentication data, a report number, and a print password. 7. The POS machine system according to claim 1, wherein said system further comprises a telephone network (9), said telephone network (9) being comprised by a fixed line telephone network, and/or a mobile telephone network And so on. 8. The POS machine system according to claim 1, wherein said payment gateway (4) Recording the binding information of the bank card (2) of each user, the binding information including the card number of the user's bank card (2) and/or the account number of the user in each additional service server (6) . 9. The POS system according to claim 8, wherein said payment gateway (4) The mobile phone (11) phone number, user password and other information of each user are also recorded. 10. The POS machine system according to claim 8 or 9, wherein the payment gateway (4) Information such as the ID number of each user is also recorded. A method for performing an additional service by a POS machine system, using the POS machine system according to any one of claims 1 to 10, wherein the user password is stored by a user through the following E group steps. The payment gateway (4) is the step of bundling the bank card (2) and the mobile phone (11) phone number by the user. The specific steps are as follows:  E1. The user enters his mobile phone (11) phone number through the P0S machine (1), and then the merchant performs the card swiping operation on the user's bank card (2) through the P0S machine (1) to read the card data of the bank card (2); The card information includes bank card (2) card number, payment password and other account materials;  E2. P0S machine (1) The card data and the user's mobile phone (11) phone number are transmitted to the payment gateway (4) through the acquiring bank (3);  E3. Payment gateway (4) Transfer the user's bank card (2) card number, payment password, handling fee and other information to the issuing bank (5) request payment;  E4. Issuing bank (5) Check the bank card (2) After the card number, payment password, handling amount and other information are correct, transfer the amount of the handling fee from the account of the bank card (2) to the bank of the payment gateway (4) In the account, after the transfer is successful, the issuing bank (5) sends a transfer success message to the payment gateway (4);  E5. Payment gateway (4) After receiving the transfer success information, call the user's mobile phone (11) via the telephone network (9); E6. The user's mobile phone (11) receives the incoming call, and the user displays the incoming call from the incoming call number to know that it is the payment gateway (4), and enters the user password on the mobile phone (11) after answering the incoming call; E7. Payment gateway (4) After checking the user password entered by the user, the user's bank card (2) card number and mobile phone (11) phone number are bundled, and the user's bank card (2) card number, mobile phone ( 11) The telephone number, user password and other data are stored in the payment gateway (4), and then the payment gateway (4) transmits the bundled success information to the POS machine (1) through the acquiring bank (3);  E8. P0S machine (1) Print the receipt of the bundled success message to the user. 12. A method of ticketing through a POS machine, using the POS machine system according to claim 1 or 2 or 3 or 4 or 5 or 7 or 8 or 9 or 10, wherein said method comprises Enter the data of the ticket to be purchased by the user through the POS machine (1), and perform the card swiping operation on the user's bank card (2) through the POS machine (1), and then through the acquiring bank (3), the payment gateway (4) and The issuing bank (5) transfers the fee of the ticket from the account of the bank card (2) to the bank account of the company that sold the ticket, and after the transfer is successful, the accounting system server of the company that sells the ticket (601) The verification information of the ticket is transmitted to the POS machine (1) through the payment gateway (4) and the acquiring bank (3), and the ticket carrying the verification information is printed by the POS machine (1) to the user. 13. The method for ticket sales through a POS machine according to claim 12, wherein the method comprises the following group A step, wherein the user uses the bank card (2) to purchase the ticket at the merchant, and the specific steps are as follows: : A1. The merchant enters the order information of the ticket to be purchased by the user in the P0S machine (1), and then swipes the user's bank card (2) through the POS machine (1) to read the card information of the bank card (2). The order information includes the type, grade, seat number and the like of the ticket, and the card information includes the bank card (2) card number, payment password and the like; A2. POS machine (1) Pass the card information and the order information through the acquiring bank (3) and the payment gateway (4) is transmitted to the accounting system server of the company that sells the ticket (601);  A3. The accounting system server (601) checks whether there is enough ticket matching the order information, and after checking that there are enough tickets, the accounting system server (601) calculates the ticket for purchasing the order information. Total amount, and the total amount will be transferred to the payment gateway (4) requesting payment, and then paying the gateway (4) transmitting the credit card information and the total amount and the bank account number of the company selling the ticket to the issuing bank (5) requesting payment;  A4. Issuing bank (5) After checking the card information, the total amount, the bank account number of the company selling the ticket, etc., transfer the total amount of money from the account of the bank card (2) to the sale. In the bank account of the company of the ticket, after the transfer is successful, the issuing bank (5) issues a transfer success message to the accounting system server (601) through the payment gateway (4);  A5. After receiving the transfer success information, the accounting system server (601) transmits the verification information of the ticket specified by the order data content to the POS machine through the payment gateway (4) and the acquiring bank (3) (1) ) ;  A6. P0S machine (1) Print the ticket containing the verification information described to the user. 14. The method of selling tickets through a POS machine according to claim 12, wherein the method comprises the following steps of group F, wherein the user uses the bank card (2) to purchase the ticket at the merchant, and the specific steps are as follows: : F1. The merchant enters the order information of the ticket to be purchased by the user in the P0S machine (1), and then performs the card swiping operation on the user's bank card (2) through the POS machine (1) to read the card information of the bank card (2). The order information included includes the type, grade, and seat of the ticket. No. and the like, and the card information includes a bank card (2) card number, payment password and the like;  F2. P0S machine (1) Pass the card information and the order information through the acquiring bank (3) and the payment gateway (4) is transmitted to the accounting system server of the company that sells the ticket (601);  F3. The accounting system server (601) checks whether there is enough ticket matching the order information, and after checking that there are enough tickets, the accounting system server (601) calculates the ticket for purchasing the order information. Total amount, and the total amount will be transferred to the payment gateway (4) requesting payment, and then paying the gateway (4) transmitting the credit card information and the total amount and the bank account number of the company selling the ticket to the issuing bank (5) requesting payment;  F4. Issuing bank (5) After checking the card information, the total amount, the bank account number of the company selling the ticket, etc., transfer the total amount of money from the account of the bank card (2) to the sale. In the bank account of the company of the ticket, after the transfer is successful, the issuing bank (5) issues a transfer success message to the accounting system server (601) through the payment gateway (4);  F5. After receiving the transfer success information, the accounting system server (601) transmits the verification information of the ticket specified by the content of the order information to the payment gateway (4); F6. The payment gateway (4) finds the mobile phone (11) phone number bundled with the user's bank card (2) card number from the record, and then transmits the verification information to the user's mobile phone by SMS or MMS ( 11) _; F7. The payment gateway (4) saves the user's ticket purchase details record in the payment gateway (4), and then prints the payment receipt of the ticket purchase to the user through the acquiring bank (3) and the POS machine (1). 15. The method for ticket sales through a POS machine according to claim 12, wherein the method further comprises the following group G step, wherein the user uses the bank card (2) to query the purchase through the merchant's POS machine (1). The steps for the ticket record, the specific steps are as follows:  G1. The merchant selects the order information of the purchase ticket record item in the P0S machine (1), and performs the card swipe operation on the user's bank card (2) through the P0S machine (1) to read the card of the bank card (2). Data, then the user enters the user password in the POS machine (1); the card information includes the bank card (2) card number, payment password and the like; G2. P0S machine (1) The card data, user password, order information, etc. are transmitted to the payment gateway (4) through the acquiring bank (3);  G3. The payment gateway (4) checks the card information, user password, order information, etc., and transmits the user's bank card (2) card number, payment password, fee amount and other information to the issuing bank (5) request Pay  G4. Issuing bank (5) Check the bank card (2) After the card number, payment password, handling amount and other information are correct, transfer the amount of the handling fee from the account of the bank card (2) to the bank of the payment gateway (4) In the account, after the transfer is successful, the issuing bank (5) sends a transfer success message to the payment gateway (4); G5. Payment gateway (4) After receiving the transfer success information, the payment gateway (4) finds from the record all the records of the tickets purchased using the user's bank card (2) payment, and then in the record Find all the ticket records that meet the order information, and transfer the ticket records to the POS machine through the acquiring bank (3) (1) _; G6. P0S machine (1) Print the ticket record on the receipt to the user. The method for ticket sales through a POS machine according to claim 12, wherein the method comprises the following steps of the H group, the step of the user querying the purchase ticket record by sending a short message or a multimedia message, the specific steps as follows: HI. The user sends a short message or a multimedia message to the short message port of the inquiry ticket record specified by the payment gateway (4) by the user's mobile phone (11), and the content of the short message or multimedia message includes the user password and the option to query the purchase ticket record item. Order information;  H2. Payment gateway (4) After receiving the SMS or MMS message, find the user's mobile phone (11) phone number from the source phone number of the SMS or MMS message, find the user password and order information from the content of the SMS or MMS message, and check the mobile phone (11) After the phone number, user password, order information, etc. are correct, the payment gateway (4) finds out all the bank card (2) card numbers bundled with the phone number of the mobile phone (11) from the record, and then finds the use location from the record. The bank card (2) the entire record of the ticket purchased for payment, and then find all the ticket records corresponding to the order information from the record, and record the ticket by SMS or MMS. Transfer to the user's mobile phone (11);  H3. Payment gateway (4) Transfer the user's bank card (2) Card number, handling amount and other information to the issuing bank (5) Request payment;  H4. Issuing bank (5) Checking the bank card (2) After the card number, the amount of the handling fee, etc. are correct, transfer the amount of the handling fee from the account of the bank card (2) to the bank account of the payment gateway (4). After the transfer is successful, the issuing bank (5) issues a transfer success message to the payment gateway (4). A method for paying by a POS machine, using the POS machine system according to claim 1 or 2 or 3 or 4 or 7 or 8 or 9 or 10, wherein the method comprises: passing the POS machine by the merchant ( 1) Enter the type or number of the bill to be paid by the user and pass the POS machine (1) Perform a credit card operation on the user's bank card (2), and then through the acquiring bank (3) and payment gateway (4) in the accounting system server corresponding to the bill type or number (601) Extract the bank card (2) The total amount of the unpaid bill of the bundled account, and the payment gateway (4) transfers the total amount to the POS machine through the acquiring bank (3) (1), the total amount is displayed to the user by the POS machine (1); if the user agrees immediately The payment is made by the POS machine (1) through the acquiring bank (3), the payment gateway (4) and the issuing bank (5) from the account of the bank card (2) to transfer the total amount of money to the accounting system server ( 601) In the corresponding bank account, after the transfer is successful, the payment gateway (4) prints the receipt to the user through the acquiring bank (3) and the POS machine (1). 18. The method for payment by a POS machine according to claim 17, wherein the method comprises the following group B steps, wherein the user uses the bank card (2) through the merchant's P0S machine. (1) The steps for making the payment, the specific steps are as follows:  B1. The merchant enters the bill type or number of the user to pay in the P0S machine (1), and then swipes the user's bank card (2) through the POS machine (1) to read the card information of the bank card (2); The card information mentioned includes account information such as bank card (2) card number;  B2. The POS machine (1) transmits the card swiping data and the bill type or number data to the payment gateway (4) through the acquiring bank (3), and the payment gateway (4) finds the bank according to the card swiping information. Card (2) The bundled account number, and then the account number is transmitted to the accounting system server (601) requesting to withdraw the unpaid billing information of the account number account, the account number is the user in the accounting system server (601 Account number;  B3. The accounting system server (601) transmits the total amount of the unpaid bill of the account number account to the P0S machine (1) through the payment gateway (4) and the acquiring bank (3); B4. P0S machine (1) Display the total amount to the user; B5. If the user agrees to pay the fee immediately, enter the confirmation payment information on the P0S machine (1), and the confirmation payment data will be transmitted by the P0S machine (1) to the payment gateway (4) through the acquiring bank (3), and then the payment gateway (4) The bank card (2) card number, payment amount, payment password, and bank account number corresponding to the accounting system server (601) Transferred to the issuing bank (5) to request payment, the confirmed payment information includes payment amount, payment password and the like;  B6. Issuing bank (5) Check the bank card (2) After the card number, payment amount, payment password and bank account number corresponding to the accounting system server (601) are correct, the account from the bank card (2) The money of the internal transfer payment amount is sent to the bank account corresponding to the accounting system server (601), and after the transfer is successful, the issuing bank (5) sends the transfer success information to the accounting system server (601) through the payment gateway (4); B7. After receiving the transfer success information, the accounting system server (601) updates the payment record of the account number account according to the transfer amount, and passes the payment information such as the transfer amount and the account number through the acquiring bank (3) and payment. Gateway (4) is transmitted to the P0S machine (1) ;  B8. P0S machine (1) Print the payment information received on the receipt to the user. 19. The method for payment by a POS machine according to claim 17, wherein the method further comprises the following group C step, wherein the user uses the bank card (2) through the POS machine at the merchant before paying the fee ( 1) The steps to print the bill, the specific steps are as follows:  C1. The merchant is in the P0S machine (1) Enter the type or number of the bill to be printed by the user, and then read the bank card through the P0S machine (1) to the user's bank card (2). (2) Swipe information; the card information includes bank card (2) account number and other account information; C2. The POS machine (1) transmits the card swiping data and the bill type or number data to the payment gateway (4) through the acquiring bank (3), and the payment gateway (4) finds the bank according to the card swiping information. Card (2) the bundled account number, and then the account number is transmitted to the accounting system server (601) requesting to extract the billing information of the account number account, the account number is the user's account system server (601) account number; C3. The accounting system server (601) transmits the unpaid billing data of the account number account to the POS machine (1) through the payment gateway (4) and the acquiring bank (3) _; C4. The POS machine (1) will receive The unpaid billing information is printed on the bill of payment to the user. 20. The method of claim 17, wherein the method further comprises the following J group step, wherein the user uses the bank card (2) to pass the POS machine at the merchant before paying the fee ( 1) The steps for querying the bill, the specific steps are as follows:  J1. The merchant enters the type or number of the bill to be queried by the user on the P0S machine (1), and then swipes the user's bank card (2) through the POS machine (1) to read the card information of the bank card (2); The card information mentioned includes account information such as bank card (2) card number;  J2. P0S machine (1) transmits the card swiping data and the bill type or number data to the payment gateway (4) through the acquiring bank (3), and the payment gateway (4) finds the bank according to the card swiping information. Card (2) the bundled account number and the user's mobile phone (11) phone number, and then transfer the account number to the account system server (601) requesting to extract the billing information of the account number account, the account number is the user The account number in the accounting system server (601);  J3. Accounting System Server (601) The unpaid billing data of the account number account is transmitted to the user's mobile phone (11) via the payment gateway (4) and the telephone network (9) by SMS or MMS to the user for viewing. 21. A method for collecting information by a POS machine for collecting market survey information, collecting voting election information, etc., using the POS as claimed in claim 1 or 2 or 3 or 4 or 7 or 8 or 9 or 10. The machine system is characterized in that: the method comprises: the merchant inputs the type or number of the information to be collected through the POS machine (1), and performs the card swiping operation on the user's bank card (2) through the POS machine (1), and then passes Invoicing Bank (3), Payment Network The off (4) and the collection information server (602) transmit the question information and option information corresponding to the type or number of the collected information to the POS machine (1) for display to the user, and the user selects the POS machine (1). One or more of the question information and the option information corresponding to the question information, and then the P0S machine (1) transmits the option information selected by the user to the acquiring bank (3) and the payment gateway (4) to The information server (602) is collected. The method for collecting information by using a POS machine according to claim 21, wherein the method comprises the following steps of group D, which are steps for collecting information by using a merchant POS machine (1), and the specific steps are as follows: :  D1. The merchant inputs the type or number of the information to be collected through the P0S machine (1), and then performs the card swiping operation on the bank card (2) of the user through the POS machine (1) to read the card data of the bank card (2); The card information includes account information such as bank card (2) card number;  D2. P0S machine (1) transmitting the swipe card data and the collected information type or number data to the collection information server (602) through the acquiring bank (3) and the payment gateway (4);  D3. The collection information server (602) transmits the question information and option information corresponding to the type or number of the collected information to the P0S machine through the payment gateway (4) and the acquiring bank (3) (1);  D4. P0S machine (1) Display the question information and option information to the user; D5. The user selects one or more of the question information and the option information corresponding to the question information in the POS machine (1), and the option information selected by the user is received by the POS machine (1) through the acquiring bank ( 3) and the payment gateway (4) is transmitted to the collection information server (602); D6. After the collection information is completed, the collection information server (602) deposits the collected information bonus into the account of the user's bank card (2) through the payment gateway (4) and the issuing bank (5). 23. A method of querying authentication data by a POS machine, using the POS machine system according to claim 1 or 2 or 3 or 4 or 6 or 7 or 8 or 9 or 10, characterized in that said method Including the quotation data such as the certification data item or number to be queried by the merchant through the POS machine (1), and the card operation of the user's bank card (2) through the POS machine (1), and then through the acquiring bank ( 3) and the payment gateway (4) extracts the authentication data report corresponding to the query data in the authentication data server (603) corresponding to the query data, and then the payment gateway (4) reports the authentication data through the telephone network (9) The message or multimedia message is transmitted to the user's mobile phone (11) for viewing by the user, or the payment gateway (4) prints the authentication data report to the user through the POS machine (1). 24. The method for querying authentication data by POS according to claim 23, wherein the method further comprises the following K group step, which is a step of the user querying the authentication data report by using the POS machine (1) of the merchant. The specific steps are as follows:  K1. The merchant enters the enquiry data such as the certification data item or number to be queried by the user in the P0S machine (1), and then reads the bank card by swiping the user's bank card (2) through the POS machine (1) (2) Card information; the card information includes a bank card (2) account information such as card number;  K2. P0S machine (1) Pass the card information and the inquiry data through the acquiring bank (3) transmitted to the payment gateway (4); 3. The payment gateway (4) finds the authentication data server (603) corresponding to the query data and the receiving bank account number of the authentication data server (603) according to the inquiry data, and the payment gateway (4) according to the credit card information Find out the card (2) card owner The certificate number, and then the payment gateway (4) transmits the user's bank card (2) card number, payment password, handling fee amount, and receiving bank account number to the issuing bank (5) to request payment;  K4. Issuing bank (5) Check the bank card (2) After the card number, payment password, handling fee amount, and receiving bank account number are correct, transfer the amount of the handling fee from the account of the bank card (2) to the receipt. In the bank account of the bank account number, after the transfer is successful, the issuing bank (5) issues a transfer success message to the payment gateway (4); K5. The payment gateway (4) transmits the inquiry data and the identification number to the authentication data server (603), and requests to extract the authentication data of the inquiry data; K6. The certification data server (603) checks the inquiry data, and checks whether the authentication data of the inquiry data can be opened to the person who has the identification number, and finds the information from the authentication data server (603) after checking the correctness. Query the certification data of the data, and transmit the certification data together with a report data such as a report number and a print password to the payment gateway (4);  K7. The payment gateway (4) keeps the stored certification report storage for future printing purposes, and transmits the certification data report to the POS machine (1), and the PIN machine (1) prints the received certification data report to user. 25. The method for querying authentication data by POS according to claim 23, wherein the method further comprises the following M group step, wherein the user prints the authentication data report again by using the POS machine (1) of the merchant. Steps, the specific steps are as follows: Ml. The merchant enters the report number of the certification data report and the print password and other inquiries in the P0S machine (1), and then reads the bank card by the user's bank card (2) through the P0S machine (1) (2) Card information; the card information includes bank card (2) card number and other account information; M2. POS machine (1) transmits the card swiping data and the query data to the payment gateway (4) through the acquiring bank (3);  M3. The payment gateway (4) finds the report number and print password based on the query data, finds the certification data report of the report number in the record stored by the payment gateway (4), and verifies that the print password is correct, the payment gateway (4) Transfer the user's bank card (2) card number, payment password, handling fee amount, bank account number of the payment gateway (4), etc. to the issuing bank (5) to request payment;  M4. Issuing bank (5) Checking the bank card (2) After the card number, payment password, handling amount, and bank account number of the payment gateway (4) are correct, transfer the account fee from the bank card (2) The amount of money is transferred to the bank account of the payment gateway (4). After the transfer is successful, the issuing bank (5) sends a successful transfer to the payment gateway (4). I B A∑i,;  M5. Payment gateway (4) The certificate data report is transmitted to the P0S machine (1), and the received certificate data report is printed to the user by the P0S machine (1).