CN101556716A - Device and system capable of realizing electronic payment through combination with general computing apparatus - Google Patents
Device and system capable of realizing electronic payment through combination with general computing apparatus Download PDFInfo
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- CN101556716A CN101556716A CNA2008100432298A CN200810043229A CN101556716A CN 101556716 A CN101556716 A CN 101556716A CN A2008100432298 A CNA2008100432298 A CN A2008100432298A CN 200810043229 A CN200810043229 A CN 200810043229A CN 101556716 A CN101556716 A CN 101556716A
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- card
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- computing apparatus
- mails
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Abstract
The invention relates to a device and a system capable of realizing electronic payment through the combination with a general computing apparatus, in particular to various technological measures needed by the device, including an internal structure thereof, a computing apparatus connecting method, a specific method for realizing the electronic payment, and the like, and also including an electronic payment system formed by the device, the general computing apparatus and a background finance or integrating system. The device can be connected with the general computing apparatus and can interact with a background system to achieve the fast and convenient electronic payment function.
Description
Technical field
The present invention relates to a kind of combining and to realize the Apparatus and system paid by mails with universal computing device, be particularly related to this device and need all kinds of technological means that adopt, comprise its inner structure, with the connected mode of computing equipment, realize the concrete mode paid by mails etc.; Also comprise the electronic fare payment system of forming by this device and universal computing device, backstage finance or integrating system.The related equipment of this motion is mainly used in the E-Payment field, comprise magnetic stripe bank card, IC bank card bankcard consumption, inquiry into balance, transfer accounts, remittance, pre-authorization, circle are deposited, enclose carry, transaction such as the return of goods and credit card refund, the supplementing with money of commercial accumulating card/industry accumulating card, consumption, inquiry into balance, transfer etc.
Background technology
Computing equipment, internet are rapidly popularized, and people are lived produce increasing influence; Therefore, how to utilize high-tech means such as computing equipment, internet to realize paying by mails better and also put on agenda.
At present, the means of realize paying by mails are varied, swipe the card at the trade company place as traditional magnetic stripe bank card realize withholing, emerging third party's payment way, the Web bank of bank or the like.
Above-mentioned all kinds of electronic payment mode is greatly improved the convenience of payment.The proposition of this motion is useful replenishing to present all kinds of electronic payment modes.This is used with a payment module independently, the realization payment function that can combine with universal computing device, and these computing equipments comprise computer, mobile phone, PDA etc.
Summary of the invention
The object of the present invention is to provide a kind of combining with universal computing device can realize the device paid by mails, this device is the intelligent equipment that a kind of parts such as groove, code keypad, IC-card slot, contactless card reader, inner microcontroller, usb interface controller, print module, display module of being swiped the card by CPU IC, magnetic stripe constitute.
Another object of the present invention is to provide the application of this device, promptly use this device and corresponding background system and realize paying by mails, wherein background system comprises: universal computing device, preposition connecting system, banking system, system of Unionpay, trading card system etc.
The technical scheme that realizes goal of the invention of the present invention is as follows:
A kind of combination with universal computing device can be realized the device paid by mails, mainly be made of usb interface controller, bluetooth controller, infrared controller, microcontroller, code keypad, CPU IC, contactless card reader, IC-card slot, the magnetic stripe parts such as groove, print module, display module of swiping the card, its structured flowchart as shown in Figure 1.
Its principal character is that described CPU IC, IC-card slot meet ISO 7816 standards, contactless card reader meets ISO 14443 TypeA/B standards, magnetic stripe card brush groove can read and meets ISO TK1, TK2, TK3 magnetic track information, the authentication of code keypad accord with PCI, USB, bluetooth, parts such as infrared all meet related industry standards, wherein, microcontroller is MCU able to programme, and integral body control and computing are carried out in this device inside.
Device of the present invention needs to realize paying by mails in conjunction with background system, and these background systems comprise: universal computing device, preposition connecting system, banking system, system of Unionpay, trading card system etc.Wherein, universal computing device comprises computer, mobile phone, PDA etc.; Preposition connecting system is erected on the public network, for universal computing device provides access service, and banking system, system of Unionpay and trading card tissue and preposition connecting system.
Description of drawings
Fig. 1 is the corresponding invention figure that can realize payment devices that combines with computing equipment of the present invention.
Fig. 2 can realize specific embodiment of device of paying by mails for corresponding of the present invention the combination with computing equipment.
Embodiment
For the content description that the present invention comprised is clear, in embodiment, give concrete technical specification and parameter with the device that the realization that relates in this motion is paid by mails.Those of skill in the art should be able to understand that under situation about not departing from as the disclosed spirit of the present invention of affiliated claim, various modifications, interpolation and replacement all are fine.
The inner structure of this device as shown in Figure 2, its internal part and concrete technical specification and parameter are as follows:
1.CPU IC is the contact Java card chip that meets the ISO7816 standard, and meets GlobalPlatform standard (hereinafter to be referred as " Java card ").
2. microcontroller is universal programmable control chip.
3. code keypad is embedded in this equipment, adopts the TTL/232 interface to link to each other with microcontroller, and the machine self-destroying function is protected, torn open to the support encryption hardware.
4. the magnetic stripe groove of swiping the card is embedded in this equipment surface, adopts the RS232C interface to link to each other with microcontroller, can read ISO TK1, TK2, TK3.
5.USB interface controller and USB connecting line are the standard USB device.
Each internal part of equipment mentioned above is all the mature industry product, and wherein microcontroller need carry out needing to load application program among the CPU IC and carrying out logical process from programming to realize the effective control to coupling arrangement.Computing equipment shown in Fig. 2 represents to have the computing machine of USB interface, and the described equipment of this patent links to each other with computing equipment by the USB connecting line.
The concrete use-pattern of equipment is as follows in the present embodiment:
1, the described equipment of this patent is set up communication by USB connecting line and universal computing device and is connected.
2, universal computing device is set up communication by internet and preposition connecting system and is connected (wherein preposition connecting system remains Chief Web Officer with the system of Unionpay and is connected).
3, the magnetic stripe groove of swiping the card reads two, three magnetic track informations in the magnetic stripe card, is sent to CPU IC by the TTL/232 interface.
4, the CPU IC Secure Application of calling preloaded is encrypted the magnetic stripe card magnetic track information that groove sends of swiping the card, and the magnetic track information after will encrypting is sent to microcontroller.
5, the magnetic track information that receives after the encryption of microcontroller is stored in local register, and sends to code keypad and to enter the standby command of waiting for the password input state.
6, code keypad is sent to microcontroller with the password that receives.
7, microcontroller is sent to CPU IC with the password that receives.
8, CPU IC will encrypt and be back to microcontroller.
9, magnetic track information and password after microcontroller will be encrypted by USB interface are sent to computing equipment.
10, computing equipment embeds transaction message with magnetic track information and the password that obtains, and this message is sent to microcontroller.
11, microcontroller sends the instruction of MAC calculating and whole message encryption to CPU IC.
12, CPU IC calculates MAC and whole message encryption and returns to microcontroller.
13, microcontroller is back to computing equipment with the MAC that obtains and the message of bulk encryption.
14, computing equipment will be sent to preposition connecting system by the network connection through the message of above-mentioned safe handling.
15, preposition connecting system is fixedlyed connected the transmission message by what set up with the system of Unionpay.
16, this message of Unionpay's system handles, and the feedback message information of success is back to preposition connecting system.
17, preposition connecting system with the information feedback of Transaction Success to computing equipment.
18, computing equipment is sent to microcontroller by the USB connecting line with the information of Transaction Success.
19, microcontroller calls CPU IC this message is decrypted, and decrypted message is sent back to computing equipment.
20, computing equipment is analyzed decrypted message, and the details of Transaction Success are exported on the computing equipment screen.
21, a bank card business dealing is finished.
Claims (3)
1, a kind of combination with universal computing device can be realized the device paid by mails, and the parts such as groove that it is characterized in that being swiped the card by usb interface controller, bluetooth controller, infrared interface, print module, display module, microcontroller, code keypad, IC-card slot, contactless card reader, CPU IC, magnetic stripe constitute.Wherein, described CPU IC, IC-card slot meet ISO 7816 standards, contactless card reader meets ISO 14443Type A/B standard, magnetic stripe card brush groove can read and meets ISO TK1, TK2, TK3 magnetic track information, code keypad accord with PCI authentication, USB, bluetooth, parts such as infrared all meet related industry standards, wherein, microcontroller is MCU able to programme, and integral body control and computing are carried out in this device inside.
2, device according to claim 1 is characterized in that print module and display module are selectable unit (SU)s.
3, device according to claim 1 is paid by mails thereby this device needs to be connected realization with universal computing device and back-end system.Universal computing device comprises that computer, PDA, mobile phone etc. have the device of computing function and input-output device, and back-end system comprises preposition connecting system, banking system, system of Unionpay, trading card system etc.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100432298A CN101556716A (en) | 2008-04-08 | 2008-04-08 | Device and system capable of realizing electronic payment through combination with general computing apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100432298A CN101556716A (en) | 2008-04-08 | 2008-04-08 | Device and system capable of realizing electronic payment through combination with general computing apparatus |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101556716A true CN101556716A (en) | 2009-10-14 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100432298A Pending CN101556716A (en) | 2008-04-08 | 2008-04-08 | Device and system capable of realizing electronic payment through combination with general computing apparatus |
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| CN (1) | CN101556716A (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101860633A (en) * | 2010-05-17 | 2010-10-13 | 成都中联信通科技有限公司 | Recharging method based on mobile phone payment |
| CN101917216A (en) * | 2010-08-25 | 2010-12-15 | 罗正棣 | System and method for realizing safe mobile application by adopting Bluetooth intelligent card |
| CN102013000A (en) * | 2010-12-06 | 2011-04-13 | 苏州国芯科技有限公司 | Universal bank card reader |
| CN102117453A (en) * | 2009-12-30 | 2011-07-06 | 中国银联股份有限公司 | Method and system for accepting various payment cards and performing transaction transfer treatment |
| CN102542688A (en) * | 2010-12-28 | 2012-07-04 | 中国银联股份有限公司 | Electronic payment device and electronic payment system using same |
| CN102542697A (en) * | 2010-12-29 | 2012-07-04 | 中国银联股份有限公司 | POS (Point of Sale) terminal based on electronic equipment having network access function |
| CN102568122A (en) * | 2011-12-26 | 2012-07-11 | 东信和平智能卡股份有限公司 | POS (point of sale) terminal system combining smart card and mobile phone |
| CN105761389A (en) * | 2016-02-02 | 2016-07-13 | 上海动联信息技术股份有限公司 | Full-channel intelligent POS machine |
| CN110047225A (en) * | 2019-04-16 | 2019-07-23 | 北京意锐新创科技有限公司 | Keyboard and payment system supporting keyboard connection |
-
2008
- 2008-04-08 CN CNA2008100432298A patent/CN101556716A/en active Pending
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102117453A (en) * | 2009-12-30 | 2011-07-06 | 中国银联股份有限公司 | Method and system for accepting various payment cards and performing transaction transfer treatment |
| CN102117453B (en) * | 2009-12-30 | 2014-08-20 | 中国银联股份有限公司 | Method and system for accepting various payment cards and performing transaction transfer treatment |
| CN101860633A (en) * | 2010-05-17 | 2010-10-13 | 成都中联信通科技有限公司 | Recharging method based on mobile phone payment |
| CN101917216A (en) * | 2010-08-25 | 2010-12-15 | 罗正棣 | System and method for realizing safe mobile application by adopting Bluetooth intelligent card |
| CN102013000A (en) * | 2010-12-06 | 2011-04-13 | 苏州国芯科技有限公司 | Universal bank card reader |
| CN102542688A (en) * | 2010-12-28 | 2012-07-04 | 中国银联股份有限公司 | Electronic payment device and electronic payment system using same |
| CN102542697A (en) * | 2010-12-29 | 2012-07-04 | 中国银联股份有限公司 | POS (Point of Sale) terminal based on electronic equipment having network access function |
| CN102542697B (en) * | 2010-12-29 | 2015-12-16 | 中国银联股份有限公司 | Based on the POS terminal of electronic equipment with network access functions |
| CN102568122A (en) * | 2011-12-26 | 2012-07-11 | 东信和平智能卡股份有限公司 | POS (point of sale) terminal system combining smart card and mobile phone |
| CN105761389A (en) * | 2016-02-02 | 2016-07-13 | 上海动联信息技术股份有限公司 | Full-channel intelligent POS machine |
| CN105761389B (en) * | 2016-02-02 | 2018-04-20 | 上海动联信息技术股份有限公司 | A kind of intelligent POS machine of full tunnel |
| CN110047225A (en) * | 2019-04-16 | 2019-07-23 | 北京意锐新创科技有限公司 | Keyboard and payment system supporting keyboard connection |
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Open date: 20091014 |