CN204759505U - Remove and fuse payment mechanism and mobile payment system - Google Patents
Remove and fuse payment mechanism and mobile payment system Download PDFInfo
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- CN204759505U CN204759505U CN201520421704.6U CN201520421704U CN204759505U CN 204759505 U CN204759505 U CN 204759505U CN 201520421704 U CN201520421704 U CN 201520421704U CN 204759505 U CN204759505 U CN 204759505U
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Abstract
The utility model relates to a remove and fuse payment mechanism and mobile payment system, the device is including MCU module, security module, communication module, NFC module, input module, display module and power management module, security module, communication module, NFC module, input module, display module and power management module all link to each other with the MCU module, the NFC module is connected with security module, communication module is at least including two kinds of communication passageways. The utility model discloses possess a plurality of safe submodule pieces, can be through implementing safe transaction method, digital certificate method and the multiple safe data transmission mode paid, the effectual protection user safety of concluding the business, the utility model discloses can be applicable to net silver business, cell -phone bank business, the trade IC -card business of supplementing with money, IC -card has card payment transaction and near field payment transaction etc. To use, can not only use down on line, can use on line in addition, effectively gets through the payment on -line line under, realizes the closed loop of concluding the business, applicable in the applied scene of multiple payment.
Description
Technical field
The utility model relates to electronic technology field, particularly relates to a kind of Mobile Convergence payment mechanism and mobile-payment system.
Background technology
Along with the development of mobile payment, increasing product provides abundant means of payment and method.Card is had to pay, such as: APPLEPAY, Unionpay miniPAY, financial IC card, full terminal, NFC-SIM, NFC-SD etc.; Pay without card, such as: the payment of Alipay, micro-letter, audio frequency KEY, USBKEY, bluetooth KEY etc.; Mobile payment product and application emerge in an endless stream, and have enriched user widely and have paid selection, constantly improved the experience of user.
The continuous appearance of new product, while user brings convenience, also brings to pay and selects complicacy.Generally all need to use the different modes of payments at different application scenarioss, such as: scanning Quick Response Code pay need the mobile devices such as mobile phone with the use of; Net silver USBKEY needs to connect PC and uses; Micro-letter pays, and on line, account formula pays, and pays environment under cannot meeting the lines such as bus card-reading consumption; Financial IC card, under only completing line, POS pays; Visible, these different means of payment need to coordinate specific equipment just can realize means of payment in other words and only adapt to certain class environment, and the universality of product is also not strong.Such as the product such as miniPAY, micro-letter payment, provides an instrument, and for being paid on line by product under line, market does not have a proper product at present, can pay and can pay on line yet under line.
Prior one side, security threat line paying user data is increasing.Method of payment on current line, is generally the bank card account number adopting user bound, the mobile devices such as mobile phone carries out quick payment transaction.Due to the opening of the mobile device systems such as mobile phone, or the security of system is inadequate, lawless person uses some illegal means such as trojan horse program, Hacker Program, obtain account or the encrypted message of user, the method making pseudo-card or pseudo-transaction is taked to carry out robber's brush, cause user benefit impaired, serious threat financial security.In order to meet, user can carry out conveniently under different scene, secure payment, and needing provides a innovation considering the function balances such as Consumer's Experience, security and function amalgamation to pay product.
Utility model content
Technical problem to be solved in the utility model is for the deficiencies in the prior art, provides a kind of Mobile Convergence payment mechanism and mobile-payment system.
The technical scheme that the utility model solves the problems of the technologies described above is as follows: a kind of Mobile Convergence payment mechanism, comprise MCU module, security module, communication module, NFC module, load module, display module and power management module, described security module, communication module, NFC module, load module, display module and power management module are all connected with MCU module, described NFC module is connected with security module, and described communication module at least comprises two kinds of communication channels.
The beneficial effects of the utility model are: the utility model possessing multiple safe submodule, by implementing secure payment transactions method, digital certificate method and multiple safety data transmission mode, effectively can protect customer transaction safety.The utility model can be applicable to ebanking services, mobile banking service, industry IC-card recharging service, IC-card have the application such as card payment transaction and near field payment transaction, can not only use down online, and can use on line, effectively get through line to reach the standard grade lower payment, realize transaction closed loop, be applicable to multiple payment application scenarios.
On the basis of technique scheme, the utility model can also do following improvement.
Further, described load module adopts push-button array or touch-screen.
Further, described security module comprises the first safe submodule and the second safe submodule.
Further, technique scheme also comprises biological identification module, described biological identification module, it is connected with MCU module, realize the typing of user biological feature, the identity of user is verified, and described biological identification module is all connected with described first safe submodule and the second safe submodule.
Adopt the beneficial effect of above-mentioned further scheme: realize multiple authentication, biological identification can be used to carry out the certification of user identity legitimacy, also the conventional mode such as password, PIN code can be used to realize authenticating user identification, more biological identification mode can be combined with the conventional mode such as Password Input, PIN code input, use as safer authentication method, so just greatly strengthen the security of equipment, the security of user profile and interests.
Further, described biological identification module comprise fingerprint, vocal print, refer in vein, iris, shape of face, palmmprint and retina any one.
Further, described communication module comprises wireless communication module and wire communication module, and described wireless communication module is be applicable to any one in the wireless communication mode of ISM band.
Adopt the beneficial effect of above-mentioned further scheme: the wireless technology in ISM band, as bluetooth, WIFI, ZigBee, Wireless USB etc., and NFC, sound wave, the mechanicss of communication such as USB have expanded application space of the present utility model greatly, can with POS, Vending Machines etc. carry out multimode connecting communication, use as payment mechanism under line, again by with mobile device, PC connects, carry out line pays, thus greatly enriched the application of this device, also for user brings diversified consumption experience, expand the business model of user.
Further, described wireless communication module comprises any one in bluetooth communication, WIFI, ZigBee or Wireless USB, and described wire communication module comprises wired USB.
Adopt the beneficial effect of above-mentioned further scheme: adopt wireless telecommunications, especially bluetooth communication, as the communication mode of this device with the mobile device of mobile phone, PAD, the transmission of routine data can not only be completed, can also combine with sound wave communication module and finite communication module, link up multiple data channel, complete the transmission of multi-access-like segment data; Simultaneously can also under notconnect state, receiving broadcasting information, completes the reception of the place advertising business information such as such as parking lot, airport, market, has enriched receives information means and the quantity of information of user, brought advantage to the user.
Further, described communication module also comprises sound wave communication module, and described sound wave communication module is connected with MCU module, and described sound wave communication module comprises sound wave and sends submodule and acoustic receiver submodule.
Adopt the beneficial effect of above-mentioned further scheme: jointly form multiple interface channel with wireless communication module and wire communication module and carry out data transmission.
Further, the form of described Mobile Convergence payment mechanism adopts portable terminal device form.
Further, described portable terminal device form comprises card form, card reader form and Wearable.
Adopt the beneficial effect of above-mentioned further scheme: the utility model can realize different types of product in different modes, under intending application model at snap gauge, external form realizes with the form of card, the Mobile Convergence payment mechanism of card form is the same with conventional cards when carrying, put into wallet, therefore consumers' acceptable degree is high, and esy to use, safe and reliable, utilization factor is high, and lower for line is paid on line pay connect, expanded the application of user; Can also realize by terminal pattern, under terminal pattern, device of the present utility model possesses whole functions, i.e. reader, the P2P of NFC, snap gauge simulation models, sound wave communication, wireless telecommunications, financial IC card and KEY function etc., profile is not limited to the form of card, any form can be designed to as required, such as card reader, mobile payment form etc.
A kind of mobile-payment system, comprises the Mobile Convergence payment mechanism described in technique scheme, also comprises mobile device and remote data platform.
Accompanying drawing explanation
Fig. 1 is a kind of Mobile Convergence payment mechanism inner structure schematic diagram described in the utility model;
Fig. 2 is the Facad structure of Mobile Convergence payment mechanism described in the utility model embodiment 1 schematic diagram;
Fig. 3 is the inverse layer structure of Mobile Convergence payment mechanism described in the utility model embodiment 1 schematic diagram;
Fig. 4 is the Facad structure of Mobile Convergence payment mechanism described in the utility model embodiment 2 schematic diagram;
Fig. 5 is the inverse layer structure of Mobile Convergence payment mechanism described in the utility model embodiment 2 schematic diagram;
Fig. 6 is the inverse layer structure of Mobile Convergence payment mechanism described in the utility model embodiment 3 schematic diagram;
Fig. 7 is a kind of mobile-payment system block diagram described in the utility model.
Embodiment
Be described principle of the present utility model and feature below in conjunction with accompanying drawing, example, only for explaining the utility model, is not intended to limit scope of the present utility model.
As shown in Figure 1, a kind of Mobile Convergence payment mechanism, comprise MCU module, security module, communication module, NFC module, load module, display module and power management module, described security module, communication module, NFC module, load module, display module and power management module are all connected with MCU module, described NFC module is connected with security module, and described communication module at least comprises two kinds of communication channels.
Described security module comprises the first safe submodule and the second safe submodule, described in the present embodiment, the first safe submodule adopts fiscard IC, second safe submodule adopts PKIIC, described first safe submodule is used for mobile payment of small amount business and possesses ordinary bank's card function, and described second safe submodule is used for realizing ebanking services and possessing Net silver correlation function.
MCU module is the core of whole device, controls the work of other each modules, and has the functions such as the control data flow direction, data processing.
NFC module comprises Reader/writer, P2P and Cardemulation tri-kinds of mode of operations, can select by arranging, and freely can change in three kinds of mode of operations.
Power module has Charge Management and electric discharge management function, and supports the functions such as the warning of low electricity, temperature alarming, for whole device provides power supply.
Described load module is all connected with MCU module with display module.Load module can adopt code keypad and other function buttons, can be mechanical key can be also touch-key, possesses key wakeup function, and meets code keypad safety requirements relevant both at home and abroad.The data message that display module produces for showing reciprocal process, is convenient to the correctness that user judges interactive information.Password only inputs on device, uses international, domestic standard cryptographic algorithm during transmission, makes any equipment of the sensitive informations such as password not outside device to show, stores, farthest protection user cipher safety.Load module described in the present embodiment adopts push-button array or touch-screen.
Technique scheme also comprises biological identification module, described biological identification module, it is connected with MCU module, realize the typing of user biological feature, the identity of user is verified, and described biological identification module is connected with described first safe submodule and the second safe submodule, when carrying out small amount payment business and ebanking services, the legal identity of authenticated respectively.The technical program also can realize multiple authentication, biological identification can be used to carry out the certification of user identity legitimacy, also the conventional mode such as password, PIN code can be used to realize authenticating user identification, more biological identification mode can be combined with the conventional mode such as Password Input, PIN code input, use as safer authentication method, so just greatly strengthen the security of equipment, the security of user profile and interests.The module of biological identification described in the present embodiment comprises fingerprint, vocal print, refer in vein, iris, shape of face, palmmprint and retina any one.
Described communication module comprises wireless communication module and wire communication module, and described wireless communication module is be applicable to any one in the wireless communication mode of ISM band.Wireless technology in ISM band, as bluetooth, WIFI, ZigBee, Wireless USB etc. for mobile device, the terminals such as Vending Machine carry out wireless telecommunications.The mechanics of communication such as NFC, sound wave, USB has expanded application space of the present utility model greatly in addition.By USB communication modes and PC, the terminals such as mobile device carry out wired communication can carry out multimode connecting communication with POS, Vending Machine etc.Described Mobile Convergence payment mechanism can use as payment mechanism under line, again by being connected with mobile device, PC, carrying out line pays, thus having greatly enriched the application of this device, also for user brings diversified consumption experience, the business model of user has been expanded.
Described wireless communication module comprises any one in bluetooth communication, WIFI, ZigBee or Wireless USB, and described wire communication module comprises wired USB.Adopt wireless telecommunications, especially bluetooth communication, as the communication mode of this device with the mobile device of mobile phone, PAD, the transmission of routine data can not only be completed, can also combine with sound wave communication module and finite communication module, link up multiple data channel, complete the transmission of multi-access-like segment data; Simultaneously can also under notconnect state, receiving broadcasting information, completes the reception of the place advertising business information such as such as parking lot, airport, market, has enriched receives information means and the quantity of information of user, brought advantage to the user.
Described communication module also comprises sound wave communication module, and described sound wave communication module is connected with MCU module, and described sound wave communication module comprises sound wave and sends submodule and acoustic receiver submodule.Jointly form multiple interface channel with wireless communication module and wire communication module and carry out data transmission.Sound wave communication module has the function of generation, transmission, reception, coding, decoding sonic data.Sound wave module works in 20 ~ 20KHz frequency range, can with any conventional mobile device, as mobile phone, PAD, waits and carries out data interaction.Adopt encryption techniques, the information encryption that will transmit, coding, is become by digital signal into sound wave electric analoging signal, is sent by loudspeaker.Acoustic signals, by microphone, is become electric signal by receiving end, and adopts decoding, decryption technology, converts the simulating signal received to numerical information, thus completes the transmission of data message.
The form of described Mobile Convergence payment mechanism comprises card form, portable terminal device form or Wearable (as Intelligent bracelet, intelligent watch etc.).The utility model can realize different types of product in different modes, under intending application model at snap gauge, external form realizes with the form of card, the Mobile Convergence payment mechanism of card form is the same with conventional cards when carrying, put into wallet, therefore consumers' acceptable degree is high, and esy to use, safe and reliable, utilization factor is high, and lower for line is paid on line pay connect, expanded the application of user; Can also realize by terminal pattern, under terminal pattern, device of the present utility model possesses whole functions, i.e. reader, the P2P of NFC, snap gauge simulation models, sound wave communication, wireless telecommunications, financial IC card and KEY function etc., profile is not limited to the form of card, any form can be designed to as required, such as card reader, mobile payment form etc.
Fig. 2 is the Facad structure of Mobile Convergence payment mechanism described in the utility model embodiment 1 schematic diagram, under snap gauge intends application model, external form realizes with the form of card, comprises card, and card front comprises push-button array, display screen and golden finger.Functionally, NFC only has snap gauge and intends mode of operation, and other functional modules are all integrated in card inside.
Fig. 3 is the Facad structure of Mobile Convergence payment mechanism described in the utility model embodiment 1 schematic diagram.At the card back side, there is fingerprint input port.
The functional modules such as security module, MCU module, communication module, sound wave module, NFC module, biological identification module and power management module are contained in card inside.These module distribution are in a printed circuit board, and by machining, pressing or be injection molded into a complete card, only have display screen, push-button array, golden finger and bio-identification module information typing part to expose, other are all coated over card inside.
Information prompting when display screen and push-button array are mainly used in data interaction, information input and the function such as validation of information, card power and energy.The golden finger of card can as the interface of the card of standard and the communication such as ATM, card reader, again can as charge power supply input port, and USB communication interface, adequately and reasonably make use of the function of card golden finger.Fingerprint input port typing fingerprint feature information, and after comparing, calculating, judge the identity legitimacy of typing person.If legal, then continue operation; If illegal use, then device is in locking state, and typing person cannot carry out follow-up any activity.Effectively like this protect possessory interests.
Fig. 4 is the Facad structure of Mobile Convergence payment mechanism described in the utility model embodiment 2 schematic diagram.On the basis of embodiment 1, card front adds Bluetooth identification.Under terminal pattern, device of the present utility model possesses whole functions, i.e. reader, the P2P of NFC, snap gauge simulation models, sound wave communication, wireless telecommunications, financial IC card and KEY function etc.Profile is not limited to the form of card, can be designed to any form as required, such as card reader, mobile payment form etc.
Fig. 5 is the inverse layer structure of Mobile Convergence payment mechanism described in the utility model embodiment 2 schematic diagram.On the basis of embodiment 1, card reverse side adds sound wave outgoing position and mark, sound wave input position and mark, NFC mark, NFC swipe the card district and USB insertion position and mark.
Fig. 6 is the structural representation of Mobile Convergence payment mechanism described in the utility model embodiment 3.In the present embodiment, the utility model, as solution, is applied in Intelligent bracelet.Namely the system architecture, various functions etc. that provide of the utility model is as an embedded technology scheme, by hardware circuit, is embedded into bracelet inside, completes several functions of the present utility model and application.And communication can be completed with mobile device, and by mobile device and background system communication, and then complete line and to reach the standard grade lower transaction flow.
As shown in Figure 7, a kind of mobile-payment system, comprises the Mobile Convergence payment mechanism described in technique scheme, also comprises mobile device and remote data platform.
Device of the present utility model can adapt to most type of payment in the market; can ordinary financial IC-card be brought in online trading system by this device; farthest can protect the cryptosecurity of user; safer data transmission can be realized according to the novel means of communication; greatly enrich the means of exchange of user; add application, greatly facilitate to user.Device described in the utility model has been got through lower of line and has been paid the passage that line pays.Use this device, can pay under carrying out line as independently device, again by wireless telecommunications, sound wave communication, USB communication equals mobile device or PC connects, and then is connected by mobile network or internet and background system, realize line pays.
The utility model utilizes many security modules structure effectively to ensure that the safety of user data, and many security modules is combined, and makes data security safer.Multiple communication modes effectively combines, and can be used alone often kind of communication modes as data transmission channel, can combine and use as data transmission channel by two or more communication modes again.Data transmission by channel transfer, also by data sectional, can be transmitted by several data Channel fragment.
The utility model will have card to pay and combine without paying under card payment, line and line paying, and have multiple-working mode, can complete polytype business, and can select most suitable mode of operation as required, complete multiple business.Ebanking services, mobile banking service, industry IC-card recharging service can be used for, have card payment transaction, without application such as card payment transaction and near field payment transactions as autonomous device, again can as of an internet payment node device, access the modes such as other financial IC cards, set up effectively and the internet payment channel of safety, complete internet payment application.The utility model is applicable to multiple payment application scenarios.
The foregoing is only preferred embodiment of the present utility model, not in order to limit the utility model, all within spirit of the present utility model and principle, any amendment done, equivalent replacement, improvement etc., all should be included within protection domain of the present utility model.
Claims (11)
1. a Mobile Convergence payment mechanism, it is characterized in that, comprise MCU module, security module, communication module, NFC module, load module, display module and power management module, described security module, communication module, NFC module, load module, display module and power management module are all connected with MCU module, described NFC module is connected with security module, and described communication module at least comprises two kinds of communication channels.
2. a kind of Mobile Convergence payment mechanism according to claim 1, is characterized in that, described load module adopts push-button array or touch-screen.
3. a kind of Mobile Convergence payment mechanism according to claim 1, it is characterized in that, described security module comprises the first safe submodule and the second safe submodule.
4. a kind of Mobile Convergence payment mechanism according to claim 3, it is characterized in that, also comprise biological identification module, described biological identification module, it is connected with MCU module, realize the typing of user biological feature, the identity of user is verified, and described biological identification module is all connected with described first safe submodule and the second safe submodule.
5. a kind of Mobile Convergence payment mechanism according to claim 4, is characterized in that, described biological identification module comprises fingerprint, vocal print, refer in vein, iris, shape of face, palmmprint and retina any one.
6. a kind of Mobile Convergence payment mechanism according to claim 1, it is characterized in that, described communication module comprises wireless communication module and wire communication module, and described wireless communication module is be applicable to any one in the wireless communication mode of ISM band.
7. a kind of Mobile Convergence payment mechanism according to claim 6, it is characterized in that, described wireless communication module comprises any one in bluetooth communication, WIFI, ZigBee or Wireless USB, and described wire communication module comprises wired USB.
8. a kind of Mobile Convergence payment mechanism according to claim 6, it is characterized in that, described communication module also comprises sound wave communication module, and described sound wave communication module is connected with MCU module, and described sound wave communication module comprises sound wave and sends submodule and acoustic receiver submodule.
9. a kind of Mobile Convergence payment mechanism according to claim 1, is characterized in that, the form of described Mobile Convergence payment mechanism adopts portable terminal device form.
10. a kind of Mobile Convergence payment mechanism according to claim 9, it is characterized in that, described portable terminal device form comprises card form, card reader form and Wearable.
11. 1 kinds of mobile-payment systems, is characterized in that, comprise the Mobile Convergence payment mechanism according to any one of claim 1 to 10, also comprise mobile device and remote data platform.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201520421704.6U CN204759505U (en) | 2015-06-17 | 2015-06-17 | Remove and fuse payment mechanism and mobile payment system |
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| CN201520421704.6U CN204759505U (en) | 2015-06-17 | 2015-06-17 | Remove and fuse payment mechanism and mobile payment system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106203033A (en) * | 2016-06-29 | 2016-12-07 | 联想(北京)有限公司 | A kind of mandate wearable device and authorization method |
| CN106503529A (en) * | 2016-10-28 | 2017-03-15 | 郑建钦 | A kind of cloud storage system based on fingerprint |
| CN106503530A (en) * | 2016-10-28 | 2017-03-15 | 郑建钦 | A kind of system for improving Information Security |
-
2015
- 2015-06-17 CN CN201520421704.6U patent/CN204759505U/en active Active
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106203033A (en) * | 2016-06-29 | 2016-12-07 | 联想(北京)有限公司 | A kind of mandate wearable device and authorization method |
| CN106503529A (en) * | 2016-10-28 | 2017-03-15 | 郑建钦 | A kind of cloud storage system based on fingerprint |
| CN106503530A (en) * | 2016-10-28 | 2017-03-15 | 郑建钦 | A kind of system for improving Information Security |
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