CN101587614A - Dual-purpose settlement terminal of networked home-bank IC cards and ATM credit cards - Google Patents

Dual-purpose settlement terminal of networked home-bank IC cards and ATM credit cards Download PDF

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Publication number
CN101587614A
CN101587614A CNA2008100254619A CN200810025461A CN101587614A CN 101587614 A CN101587614 A CN 101587614A CN A2008100254619 A CNA2008100254619 A CN A2008100254619A CN 200810025461 A CN200810025461 A CN 200810025461A CN 101587614 A CN101587614 A CN 101587614A
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circuit
card
settlement terminal
bank
adopts
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CNA2008100254619A
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CN101587614B (en
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郭建国
毛星原
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郭建国
毛星原
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Abstract

The invention relates to a dual-purpose settlement terminal of networked home-bank IC cards and ATM credit cards for suiting the PBOC 2.0 standard and the market status and facing home family multifunctional application. The dual-purpose settlement terminal of networked home-bank IC cards and ATM credit cards comprises a core processing unit, a magnetic card reading circuit unit and an RF IC card reading circuit unit, wherein the core processing unit comprises a core microprocessor and an Ethernet interface circuit which are connected, and the magnetic card reading circuit unit and the RF IC card reading circuit unit are respectively connected with the I/O interfaces of the core microprocessor.

Description

Networked home-bank IC-card and ATM credit card dual-purpose settlement terminal
Technical field
The present invention relates to a kind of " networked home-bank IC-card and ATM credit card dual-purpose settlement terminal ", be called for short: Home Banking's settlement terminal.Bank's IC-card), ISO/IEC14443A﹠amp being specifically related to accept the RFIC card that meets PBOC 2.0 standards that Bank of China makes and issue by the internet (is called for short:; The RFIC card of B and ISO/IEC15693 standard, the magnetic stripe ATM of bank credit card, and adopt the RFIC card of PBOC 2.0 standards and family's settlement terminal of the integrated composite card of bank's magnetic stripe card.Home Banking's settlement terminal also can carry out Chinese citizen's second generation I.D. digital authenticating.
Background technology
Home Banking can be divided into forms such as telephone bank, video terminal Home Banking substantially, at present based on telephone bank (Telephone Banking).The business that Home Banking handles generally has following several: pay utilities expense, credit card funded payment and shopping payment etc.; The transfer of funds between different accounts; The detailed status inquiry of account; Financial information inquiry etc.Since the mid-90 in 20th century, along with popularizing gradually of Internet, be that service sends channel with Internet, the domestic consumer just can obtain various bank product and service by the access bank website.
At present, the smart chip card standard of the current international practice is EMV, and promptly Europay, Mas-terCard (Master), VISA (Visa) three big international credit card tissues use that its initial is collectively referred to as EMV and the smart card financial payment application standard set up.Although bank's IC-card of EMV standard is all adopted in Europe and some areas, Asia substantially now, but consideration for industry long term growth of banks of China card and financial payment safety, China still adheres to having made and issued new edition " China's finance integrated circuit (IC) calliper model ", and this standard can be described as ' EMV ' standard (financial IC card-PBOC 2.0) of China oneself.
At present the National Industrial and Commercial Bank of China has issued the Renminbi credit IC-card that meets the PBOC2.0 standard, and active and stable propellings bank IC-card multifunction card application pilot.And current development can be accepted bank's IC-card settlement terminal of PBOC2.0 standard, needs a large amount of existing magnetic stripe card business POS machine, bank ATM cash machines transformed, and is one of major tasks task that advances the EMV of Bank of China migration plan.
And the present invention is in order to adapt to PBOC 2.0 standards and the market status, to propose a kind of " networked home-bank IC-card and ATM credit card dual-purpose settlement terminal " of using towards household multifunctional.
Summary of the invention
The present invention is for advancing the EMV of Bank of China migration plan, providing a kind of networked home-bank IC-card and the dual-purpose settlement terminal of ATM credit card that can accept PBOC2.0 Standard Bank IC-card and magnetic stripe ATM credit card simultaneously (to be called for short: Home Banking's settlement terminal).
The technical scheme that realizes the object of the invention is: networked home-bank IC-card and ATM credit card dual-purpose settlement terminal is characterized in that this settlement terminal comprises core processing unit, magnetic card Card Reader circuit unit and RFIC card Card Reader circuit unit; Core processing unit comprises core microprocessors and ethernet interface circuit, and ethernet interface circuit is connected with core microprocessors; Magnetic card Card Reader circuit unit is connected with the I/O interface of core microprocessors respectively with RFIC card Card Reader circuit unit.
Described core processing unit also comprises storer (flash, SDRAM), voicefrequency circuit (Audio), display circuit (TFT LCD), keyboard circuit (Keyboard), DCPL-Bus interface, power supply stabilization circuit.
Described core microprocessors adopts ARM9 or ARM7 Series of MCU.
Described magnetic card Card Reader circuit unit is made up of key 2 micro-control circuits and brush magnetic card device.
Described RFIC card read/write circuit unit is made up of key 1 micro-control circuit and read/write circuit.
Described ethernet interface circuit can be to comprise Ethernet chip, transformer and RJ45 interface circuit, and Ethernet chip is connected with transformer one end, and the transformer other end is connected with the RJ45 interface circuit.
The RJ45 interface circuit of described " Home Banking's settlement terminal " can connect Ethernet or realize being connected of Internet by ADSL Modem with telephone wire.At this moment, " Home Banking's settlement terminal " is called as " desktop computer terminal ".
The USB interface of described " Home Banking's settlement terminal " can connect personal computer, and personal computer is connected with Ethernet again.At this moment, " Home Banking's settlement terminal " is called as " USB interface formula terminal ".
" Home Banking's settlement terminal " of the present invention is the dual-purpose settlement terminal that can carry out the multiple banking clearing of magnetic stripe ATM credit card, the bank's IC-card drawing of networked self-service form within the family.This settlement terminal can carry out account information inquiry, account transfer, stored value card and withdraw deposit, prays for expense, bank information issue, the business accounting of all kinds of guarantee fund, transportation card and fill business such as clay." Home Banking's settlement terminal " of the present invention drawing function is achieved as follows: swipe the card and cipher key operation at " Home Banking's settlement terminal " by magnetic stripe ATM credit card or bank's IC-card, behind drawing information notifying bank authenticate-acknowledge, the drawing quantity information is returned " Home Banking's settlement terminal " fill clay on the customer bank IC-card, and " Home Banking's settlement terminal " checking data returns and fills the drawing quantity information that clay information notifying bank confirms to have filled clay.In order to bring into play the application of the existing magnetic stripe ATM credit card of bank and bank's background devices, management software, " Home Banking's settlement terminal " can use magnetic stripe ATM credit card, bank's IC-card, also can adopt the compound integrated card of magnetic stripe ATM credit card and bank's IC-card.This Home Banking's settlement terminal can also carry out Chinese citizen's second generation I.D. digital authenticating.
As a further improvement on the present invention, " Home Banking's settlement terminal " also comprises the radio communication unit that is connected with core microprocessors.Radio communication unit adopts China TD-SCDMA broadband wireless communication module, or adopts the WCDMA/CDMA2000/GPRS wireless communication module, realizes that Home Banking's settlement terminal is by wireless telecommunications or Ethernet and extraneous getting in touch.At this moment, " Home Banking's settlement terminal " is called as " wall-hanging terminal ".
As a further improvement on the present invention, described core processing unit also comprises DCPL-Bus interface and RS-485 interface, the DCPL-Bus interface is connected with the core microcontroller with the RS-485 interface, provides management to copy and accept the communication interface of family's water, electricity and gas information terminal and family's safety-protection system.The DCPL-Bus interface that described " Home Banking's settlement terminal " relates to is in Chinese 03132268.9 patent of invention: be described in detail in " the DCPL fieldbus of network intelligence table measuring terminal and network prepaid bridge ".The present invention adopts DCPL-Bus bus working method, forms the bus of two-wire system supply line and digital communication Line sharing.
The present invention also has following beneficial effect:
1, " Home Banking's settlement terminal " is made up of core processing unit, magnetic card Card Reader circuit unit, RFIC card read/write circuit unit, constitutes Home Banking's settlement terminal of desk-top and USB interface form.Desk-top Home Banking settlement terminal can carry out digital communication by ADSL Modem and telephone wire or Ethernet, is fit to not connect personal computer in the network but the bank service that can carry out the domestic consumer of wire communication; USB interface formula Home Banking settlement terminal, the family that is fit to computer internet uses.
2, " Home Banking's settlement terminal " is made up of core processing unit, magnetic card Card Reader circuit unit, RFIC card read/write circuit unit and radio communication unit, constitutes wall-hanging Home Banking settlement terminal.Wall-hanging Home Banking settlement terminal can carry out digital communication by wireless telecommunications or Ethernet, is fit to not connect in the network personal computer domestic consumer's bank service.
Description of drawings
Fig. 1 is that the embodiment of the invention 1 Home Banking's settlement terminal circuit is formed structural drawing
Fig. 2 is that the embodiment of the invention 2 Home Banking's settlement terminal circuit are formed structural drawing
Fig. 3 is that the embodiment of the invention 3 Home Banking's settlement terminal circuit are formed structural drawing
Fig. 4 is a Home Banking of the present invention settlement terminal network communication data key node diagram
Fig. 5 is an embodiment of the invention magnetic card Card Reader circuit unit circuit theory diagrams
Fig. 6 is an embodiment of the invention RFIC card read/write circuit element circuit schematic diagram
Fig. 7 is ethernet interface circuit figure among example 1 of the present invention and the embodiment 2
Embodiment
Be described further below in conjunction with embodiment.
Embodiment 1
Referring to accompanying drawing 1, a kind of networked home-bank IC-card and ATM credit card dual-purpose settlement terminal, this settlement terminal comprise core processing unit, magnetic card Card Reader circuit unit, RFIC card Card Reader circuit unit and radio communication unit composition.Core processing unit comprises core microprocessors and ethernet interface circuit, and ethernet interface circuit is connected with the P1 end of core microprocessors.Magnetic card Card Reader circuit unit is connected with the I/O interface of core microprocessors respectively with RFIC card Card Reader circuit unit.
Wherein the S3C2410 microcontroller of microcontroller employing ARM9 core in the core processing unit is the microprocessor that the network communication asymmetric data is encrypted.Radio communication unit adopts the SU130-DIP module of Chinese T D-SCDMA mobile communication standard.Core processing unit also comprises storer (flash, SDRAM), voicefrequency circuit (Audio), display circuit (TFTLCD), keyboard circuit (Keyboard), DCPL-Bus interface, RS-485 interface and power supply stabilization circuit.Storer (flash, SDRAM), voicefrequency circuit (Audio), display circuit (TFT LCD), keyboard circuit (Keyboard), RS-485 interface are connected with the core microcontroller respectively with the DCPL-Bus interface.Memory circuitry (flash, SDRAM), voicefrequency circuit (Audio), display circuit (TFT LCD), keyboard circuit (Keyboard) adopt the combination of standard prior art circuits.DCPL-Bus interface and RS-485 interface provide management to copy and accept the communication interface of family's water, electricity and gas information terminal and family's safety-protection system.
With reference to accompanying drawing 4: take multinomial encryption technology (ECC, the DES) combination of classifying of autonomous stochastic and dynamic at " Home Banking's settlement terminal " of the present invention, carry out reliable data security network communication.Wherein carry out three second phases between bank's IC-card and the special-purpose module for reading and writing and recognize each other card and cryptographic algorithm, it is mutual to form node 1 enciphered data.Carry out the data encryption engine between private key micro-control circuit and the core microcontroller, it is mutual to form node 2 enciphered datas.Carry out the asymmetric compound data encryption between core microcontroller and the bank settlement computing machine, form node 3 data encryption network communications and mutual data authentication.
With reference to Fig. 5: " magnetic card Card Reader circuit unit " is made up of key microcontroller U1, reset circuit U2, encrypted memory U3, ATM magnetic card card reader and peripheral components.Wherein key microcontroller U1 adopts P89LPC936, and encrypted memory U3 adopts AT88SC1616, and reset circuit U2 adopts MAX809, and with U1, U2, the synthetic modular structure of U3 set of devices.
With reference to accompanying drawing 6: " RFIC card read/write circuit unit " is made up of key microcontroller IC1, reset circuit IC2, encrypted memory IC3, card reader/writer IC4 and peripheral components.Wherein key microcontroller IC1 adopts P89LPC936, and encrypted memory IC3 adopts AT88SC1616, and reset circuit IC2 adopts MAX809, and card reader/writer IC4 adopts FM1725, and with IC1, IC2, IC3, the synthetic modular structure of IC4 set of devices.RFIC card read/write circuit unit adopt the FM17 of Shanghai Fudan Microelectronics * * or Beijing with square microelectronics THM3050; THM10 * * family chip.
With reference to accompanying drawing 7: ethernet interface circuit comprises Ethernet chip, transformer and RJ45 interface circuit, wherein Ethernet interface chip U11 adopts DP83848, crystal oscillator chip for driving U12 adopts CXO7050, and isolating transformer adopts J0011D21D, and peripheral components is formed ethernet interface circuit.
Present embodiment is a wall-hanging Home Banking settlement terminal, can carry out digital communication by wireless telecommunications or Ethernet, is fit to not connect in the network personal computer domestic consumer's bank service.
Embodiment 2
With reference to accompanying drawing 2: a kind of networked home-bank IC-card and ATM credit card dual-purpose settlement terminal, this settlement terminal comprise core processing unit, magnetic card Card Reader circuit unit and RFIC card Card Reader circuit unit.Core processing unit comprises core microprocessors and ethernet interface circuit, and ethernet interface circuit is connected with the P1 end of core microprocessors.Ethernet interface circuit is connected with the peripheral hardware ADSL Modem.Magnetic card Card Reader circuit unit is connected with the I/O interface of core microprocessors respectively with RFIC card Card Reader circuit unit.Wherein microcontroller adopts the LPC23XX Series of MCU of ARM7 core in the core processing unit.Also comprise memory circuitry (flash, SDRAM), voicefrequency circuit (Audio), display circuit (TFT LCD), keyboard circuit (Keyboard) in the core processing unit, these circuit are the combination of circuits of employing standard prior art.
Present embodiment is a desk-top Home Banking settlement terminal, can carry out digital communication by ADSL Modem and telephone wire or Ethernet, is fit to not connect personal computer in the network but the bank service that can carry out the domestic consumer of wire communication.
Embodiment 3
With reference to accompanying drawing 3: the difference of present embodiment and last example is, adopts usb circuit, constitutes USB interface formula Home Banking settlement terminal.Wherein microcontroller adopts the LPC214X Series of MCU of ARM7 core in the core processing unit.Go back memory circuitry (flash, SDRAM), buzz circuit (Buzzer), active display circuit (LED) in the core processing unit, these circuit are the combination of circuits of employing standard prior art.
RFIC card read/write circuit be adopt the FM17 of Shanghai Fudan Microelectronics * * or Beijing with square microelectronics THM3050; THM10 * * family chip.Microprocessor is to adopt low-power consumption 80C51 series CPU in key 1 micro-control circuit and key 2 micro-control circuits.
Present embodiment is a USB interface formula Home Banking settlement terminal, and USB interface connects the peripheral hardware personal computer.The family that is fit to computer internet uses.

Claims (9)

1, a kind of networked home-bank IC-card and ATM credit card dual-purpose settlement terminal is characterized in that, this settlement terminal comprises core processing unit, magnetic card Card Reader circuit unit and RFIC card Card Reader circuit unit; Core processing unit comprises core microprocessors and ethernet interface circuit, and ethernet interface circuit is connected with core microprocessors; Magnetic card Card Reader circuit unit is connected with the I/O interface of core microprocessors respectively with RFIC card Card Reader circuit unit.
According to the described settlement terminal of claim 1, it is characterized in that 2, described ethernet interface circuit comprises Ethernet chip, transformer and RJ45 interface circuit, Ethernet chip is connected with transformer one end, and the transformer other end is connected with the RJ45 interface circuit.
According to the described settlement terminal of claim 1, it is characterized in that 3, described core processing unit possesses ethernet interface circuit and usb circuit.
According to the described settlement terminal of claim 1, it is characterized in that 4, described settlement terminal also comprises radio communication unit, radio communication unit is connected with described core microprocessors, is used for the wireless telecommunications of described settlement terminal.
According to the described settlement terminal of claim 1, it is characterized in that 5, described RFIC card read/write circuit unit is made up of IC1 key microcontroller, IC2 reset circuit, IC3 encrypted memory, IC4 card reader/writer and peripheral components; Wherein IC1 key microcontroller adopts P89LPC936, the IC3 encrypted memory adopts AT88SC1616, the IC2 reset circuit adopts MAX809, the IC4 card reader/writer adopts FM1725, and with IC1 key microcontroller, IC2 reset circuit, IC3 encrypted memory, the synthetic modular structure of IC4 card reader/writer set of devices.
According to the described settlement terminal of claim 1, it is characterized in that 6, described magnetic card Card Reader circuit unit is made up of U1 key microcontroller, U2 reset circuit, U3 encrypted memory, ATM magnetic card card reader and peripheral components; Wherein U1 key microcontroller adopts P89LPC936, and the U3 encrypted memory adopts AT88SC1616, and the U2 reset circuit adopts MAX809, and with U1 key microcontroller, U2 reset circuit, the synthetic modular structure of U3 encrypted memory set of devices.
According to the described settlement terminal of claim 1, it is characterized in that 7, described core processing unit also comprises storer, voicefrequency circuit, display circuit, keyboard circuit, DCPL-Bus interface and power supply stabilization circuit.
According to the described settlement terminal of claim 1, it is characterized in that 8, described core microprocessors adopts ARM9 or ARM7 Series of MCU.
According to the described settlement terminal of claim 1, it is characterized in that 9, described settlement terminal is taked the multinomial encryption technology combination of classifying of autonomous stochastic and dynamic, carries out the data security network communication; Wherein carry out three second phases between bank's IC-card and the special-purpose module for reading and writing and recognize each other card and cryptographic algorithm, it is mutual to form the first node enciphered data, carry out the data encryption engine between private key micro-control circuit and the core microcontroller, it is mutual to form the Section Point enciphered data; Carry out the asymmetric compound data encryption between core microcontroller and the bank settlement computing machine, form the 3rd node data refined net communication and mutual data authentication.
CN2008100254619A 2008-04-29 2008-04-29 Dual-purpose settlement terminal of networked home-bank IC cards and ATM credit cards Active CN101587614B (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102930670A (en) * 2012-10-23 2013-02-13 福建鑫诺通讯技术有限公司 Intelligent financial card-reading system

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6400823B1 (en) * 1996-12-13 2002-06-04 Compaq Computer Corporation Securely generating a computer system password by utilizing an external encryption algorithm
CN1337803A (en) * 2001-07-03 2002-02-27 上海复旦微电子股份有限公司 Enciphering method and circuit for safe communication of IC card data
JPWO2006132362A1 (en) * 2005-06-09 2009-01-08 株式会社デジタルチェック Payment system using a card payment terminal
CN2898953Y (en) * 2006-04-13 2007-05-09 上海复旦微电子股份有限公司 Non-contact card read-write device with integrated safety encrypted verification function

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102930670A (en) * 2012-10-23 2013-02-13 福建鑫诺通讯技术有限公司 Intelligent financial card-reading system

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Application publication date: 20091125

Assignee: Internet of things (Shanghai) Co., Ltd.

Assignor: Guo Jianguo|Mao Xingyuan

Contract record no.: 2017310000011

Denomination of invention: Dual-purpose settlement terminal of networked home-bank IC cards and ATM credit cards

Granted publication date: 20120530

License type: Exclusive License

Record date: 20170316

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Assignee: Internet of things (Shanghai) Co., Ltd.

Assignor: Guo Jianguo|Mao Xingyuan

Contract record no.: 2017310000011

Date of cancellation: 20181108

EC01 Cancellation of recordation of patent licensing contract