CN101741956A - Mobile phone - Google Patents
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- CN101741956A CN101741956A CN200910307720A CN200910307720A CN101741956A CN 101741956 A CN101741956 A CN 101741956A CN 200910307720 A CN200910307720 A CN 200910307720A CN 200910307720 A CN200910307720 A CN 200910307720A CN 101741956 A CN101741956 A CN 101741956A
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Abstract
The invention relates to the technical field of communication, in particular to a mobile phone in the technical field of communication. The invention discloses the mobile phone integrating a function of swiping a card, which solves the problems of high cost and inconvenient card swiping for people of POS machines issued by merchants in the prior art. The technical scheme comprises the key point that: the mobile phone comprises a shell, a master chip, a display screen and keys, wherein the display screen and the keys are arranged on the shell; the master chip is arranged in the shell; the keys and the display screen are both connected to the master chip; the mobile phone also comprises a card swiping machine and a bar code scanner; and the card swiping machine and the bar code scanner are both connected with the master chip. The mobile phone has the advantages that: the mobile phone is integrated with the function of swiping the card, saves huge cost for banks issuing a large number of the POS machines, brings convenience to card swiping of users, and is suitable for wide consumers.
Description
Technical field
The present invention relates to communication technique field, relate to the mobile phone in the communication technique field specifically.
Background technology
Along with the development of electronic money, in order to boost consumption and to make things convenient for the client, the credit card of the annual distribution of bank is more and more, and people go out shopping does not again need to carry buckets of cash, and only need be with a last slight card, and promptly safety is also saved the trouble of small change.But the place that reality is a credit card can pass unimpeded seldom, bank also will issue POS (point of sales terminal) machine that can swipe the card for businessman in the distribution credit card, whether sincere this is a huge cost, also will bear simultaneously businessman's risk, comprises the arbitrage problem that may occur.Therefore the businessman that is equipped with the POS machine at present is also few, according to incompletely statistics, and in each aspect of social life; the ratio that use POS machine is swiped the card is less than 5%; people also run into because the POS machine of a businessman goes wrong through regular meeting, and cause wanting the phenomenon that the people that does shopping can't swipe the card, and are very inconvenient.
And from another point of view, the fast development of mobile communication makes mobile phone become the indispensable communication tool of people, mobile phone develops into multi-functional terminal ends such as having comprised PDA, game machine, MP3, MP5, photograph, radio reception, recording, shooting, GPS now from original basic call function, if can on mobile phone, merge function of swiping card, not only can solve the problem that POS machine that people use businessman is swiped the card and brought, also make the more perfect function of mobile phone.This mobile phone does not also appear in the market.
Summary of the invention
Technical problem to be solved by this invention is: propose a kind of mobile phone that merges function of swiping card, solve the problem that businessman's distribution POS machine cost is high and inconvenient people swipe the card in the prior art.
The present invention solves the problems of the technologies described above the technical scheme that is adopted: mobile phone comprises housing, master chip, display screen and button; Display screen and button design are on housing, and master chip designs in enclosure interior; Button and display screen all connect master chip; Also comprise card reader and bar code scanner; Described card reader and bar code scanner all connect master chip.
Further, the design of the draw-in groove of described card reader is in the housing side.
Further, the design of the image sensor of described bar code scanner is on the housing top.
Further, also comprise Fingerprint Identification Unit, described Fingerprint Identification Unit connects master chip.
Further, also comprise mini-printer, described mini-printer design is at the housing tail end, and the connection master chip.
The invention has the beneficial effects as follows: mobile phone has merged the payment function of swiping the card, and has saved the huge cost that bank need issue a large amount of POS machines, also for user card punching brings convenience, more can reduce the cost of manufacturing, managed paper currency, roots out the space of counterfeit money existence.
Description of drawings
Fig. 1 is the structural representation of embodiment.
Among the figure, 1 is bar code scanner, and 2 is housing, and 3 is display screen, and 4 is button, and 5 is Fingerprint Identification Unit, and 6 is mini-printer, and 7 is card reader, and 8 is printing paper.
Embodiment
The invention will be further described below in conjunction with drawings and Examples.
The mobile phone of function of swiping card that the present invention proposes a kind of novel fusion, this novel mobile phone has increased card reader and bar code scanner on the basis of existing cell-phone function module, the user only need and bank between sign an agreement, realize the system of real name binding of mobile phone card and bank card, after retaining relevant information and fingerprint, bank just can handle the credit card of different amounts to the user according to relevant informations such as user job and incomes, after the user gets credit card, just can directly on mobile phone, swipe the card.The bar code of user by bar code scanner on the mobile phone and businessman (the i.e. bar code of being authorized by national standardization Weights and Measures Bureau, the bar code of each household businessman all is unique) link, obtain detailed shopping information, and generation information is sent to bank's platform and confirms, through (businessman's card using information machine promptly is a mobile phone on the card using information machine that sends back to consumer's cellphone information and businessman after affirmation, its mobile phone inside needs a SIM card of being authorized by national standardization Weights and Measures Bureau, be integrated with all integrated informations of this businessman, comprise industry and commerce, the tax, bank account etc.), work as the consumer, businessman all confirm to consume the amount of money errorless after, the consumer inputs password and carries out fingerprint recognition by this mobile phone finger print identifier, confirmation being issued bank's platform storage keeps again, replaced original signature on consumption is single, prevent this mobile phone simultaneously, bank card is lost and is picked up by other people and swipe the card wantonly, has increased the fail safe of user's fund.
Embodiment:
As shown in Figure 1, the mobile phone in this example comprises housing 2, master chip, display screen 3, button 4, card reader 7, Fingerprint Identification Unit 5 and bar code scanner 1; Display screen 3 and button 4 designs are on housing 2, and master chip designs in housing 2 inside; Button 4 and display screen 3 all connect master chip; Described card reader 7 and bar code scanner 1 all connect master chip.The draw-in groove design of card reader 7 is in housing 2 sides; The image sensor design of bar code scanner 1 is on housing 2 tops; Described Fingerprint Identification Unit 5 connects master chip; Also comprise mini-printer 6, mini-printer 6 designs are at housing 2 tail ends, and the connection master chip.
Use the user of this mobile phone to need to be equipped with shelves in bank earlier, comprise that identity information is equipped with the real name that shelves, finger print information are equipped with shelves and finish mobile phone card and bank card and binds, mobile phone can carry out self check after each start, whether check SIM card and bank card mate, if mate then mobile phone is in normal operating conditions, otherwise provide relevant prompting.After the self check coupling, the user is when consuming, only the image sensor on handset shell 3 tops and the bar code of businessman need be carried out UNICOM, and generation note, constitute the transaction important document, can supply businessman, the user checks, after the user confirms to consume the amount of money, use bank card to stamp the card at the draw-in groove place of card reader 7, use Fingerprint Identification Unit 5 to carry out fingerprint authentication simultaneously, generate note after the input bank card password and be transferred to bank's platform, bank's platform is determined user profile, whether finger print information and bank card information meet, confirm to return after errorless consumption information (such as what date in which businessman's consumption, the amount of consumption be what etc.), wait for the user confirm errorless after, the user carries out fingerprint recognition by Fingerprint Identification Unit 5 once more, save the trouble of on the consumption inventory, signing, also be convenient to check behind the Banking Days.So far, finish the whole flow process of swiping the card.After the bankcard consumption success, bank sends to the user with consumption information, can cooperate printing papers 8 will consume list print to come out, conveniently check by being arranged on mini-printer 6 on the mobile phone like this.Influence transducer and can adopt infrared scan, radio frequency reading or the like.
Except fingerprint recognition, also can imitate and carry out face recognition abroad, bank needs each user's of typing face-image, the user utilizes camera to carry out face recognition when bankcard consumption, facial image information is transferred to bank's platform to be confirmed, it is millions of even up to ten million that the pixel energy of current phone camera reaches, so face recognition has become possibility.
Such scheme is that the user adopts common mobile communication card and bank's platform to carry out communication, in addition, bank can think that the user is equipped with special-purpose SIM card, this card only is used for the information interaction between user and the bank side, increased fail safe, two draw-in grooves of present mobile phone, three draw-in grooves are very general, therefore implement the SIM card insertion draw-in groove that only needs bank side is equipped with and get final product.In order to ensure the interests of businessman, businessman need be equipped with a card using information machine, realize very simple, insert the SIM card of being authorized in the regular handset by national standardization Weights and Measures Bureau, be integrated with all integrated informations of this businessman, the SIM card that comprises industry and commerce, the tax, bank account etc. just can realize, after the customer consumption success, bank side also returns same information to businessman when returning to customer consumption information, businessman just can confirm the consumption details like this, also is convenient to check with bank the management state of account and inquiry self in the future.
Use mobile phone of the present invention, the user can swipe the card whenever and wherever possible, and is very convenient, because one of staff, bankcard consumption can can't not swiped the card worried for there is not the POS machine because of businessman more separately; Simultaneously, businessman of tens million of family all carries out credit card purchase, the consumer will progressively eliminate bank note, Financial Management department of country will reduce the emission of banknotes management cost greatly, make counterfeit money not have living space, fundamentally stop spreading unchecked of counterfeit money, make the state ministry of public security door also reduce executive cost; Again because businessman of tens million of family can both bankcard consumption, several nothings of consumer no longer need enchashment, just let alone arbitrage, when the time comes, the consumer is grasping the credit of oneself voluntarily, if let alone overdraw, do not take the credit of oneself into account, under the background that electronic money is propagated its belief on a large scale gradually, with difficult to move even one step, so the bad credit of credit card purchase will reduce greatly in each aspect of social life for it; Businessman is after carrying out mobile phone card-brushing consumption, do not need big input, only needing a bar code scanner (being convenient to self-management) and a card using information machine (promptly is a mobile phone, its mobile phone inside needs a SIM card of being authorized by national standardization Weights and Measures Bureau, be integrated with all integrated informations of this businessman, comprise industry and commerce, the tax, bank account etc.) get final product; The popularization of this novel mobile phone and use, can make state power administrative department, national Financial Management department, the State Administration for Industry and Commerce, national tax administrative department, national commercial department, bank, Unionpay, communication operator, carry out interactive management again; Herewith the non-ferrous metal industry, electronics, electrical apparatus industry, the petrochemical industry plastics industry that are associated of mobile phone terminal, will obtain super scale development, just need several hundred million portions because of only domestic, the international market is more considerable; The assembling of this novel mobile phone terminal needs a large amount of workmans in addition, can solve vast the problem of employment of the labor force.The popularization of this novel mobile phone terminal can also be eliminated bank note gradually, lowers financial cost; The popularization of this novel mobile phone terminal can also greatly increase state tax revenue simultaneously, because of getting unique card number, duty paragraph, number of the account and organization mechanism code and bar code no matter all kinds of production and selling units all need arrive industry and commerce, the tax, bank and Administration of Quality and Technology Supervision, when the consumer adopts the novel mobile phone terminal to swipe the card, fund directly enters Bank Account Number, and national tax administrative department just can impose according to relevant policies in accordance with the law.
The claimed device of the present invention is not limited in embodiment and accompanying drawing, and those skilled in the art is easy to according to foregoing description technical scheme be made an amendment slightly, and such as the installation site of each functional module, it all belongs to protection scope of the present invention.
Claims (5)
1. mobile phone comprises housing, master chip, display screen and button, and display screen and button design are on housing, and master chip designs in enclosure interior, and button and display screen all connect master chip, it is characterized in that: also comprise card reader and bar code scanner; Described card reader and bar code scanner all connect master chip.
2. mobile phone as claimed in claim 1 is characterized in that: the draw-in groove design of described card reader is in the housing side.
3. mobile phone as claimed in claim 1 or 2 is characterized in that: the image sensor design of described bar code scanner is on the housing top.
4. mobile phone as claimed in claim 1 or 2 is characterized in that: also comprise Fingerprint Identification Unit, described Fingerprint Identification Unit connects master chip.
5. mobile phone as claimed in claim 1 or 2 is characterized in that: also comprise mini-printer, described mini-printer design is at the housing tail end, and the connection master chip.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910307720A CN101741956A (en) | 2009-09-25 | 2009-09-25 | Mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910307720A CN101741956A (en) | 2009-09-25 | 2009-09-25 | Mobile phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101741956A true CN101741956A (en) | 2010-06-16 |
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ID=42464826
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910307720A Pending CN101741956A (en) | 2009-09-25 | 2009-09-25 | Mobile phone |
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| CN (1) | CN101741956A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101950453A (en) * | 2010-07-19 | 2011-01-19 | 福建联迪商用设备有限公司 | Novel mobile phone payment terminal-based payment method |
| CN102411814A (en) * | 2011-08-10 | 2012-04-11 | 中国工商银行股份有限公司 | Identity authentication method, handheld ATM (automated teller machine) terminal and system |
| CN102568124A (en) * | 2010-12-24 | 2012-07-11 | 汉斯·杰里·乌尔本·彼得森 | Communication method between traditional charging equipment and mobile payment system |
| CN102622828A (en) * | 2011-02-01 | 2012-08-01 | 福建新大陆电脑股份有限公司 | Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof |
| CN102881090A (en) * | 2012-06-29 | 2013-01-16 | 巫少芬 | Mobile system for card payment |
| CN104184848A (en) * | 2013-05-21 | 2014-12-03 | 上海斐讯数据通信技术有限公司 | Mobile terminal with card charge function |
| CN107545291A (en) * | 2016-06-27 | 2018-01-05 | 汪风珍 | A kind of cell phone bank card and its financial trade method |
| CN107977891A (en) * | 2017-11-23 | 2018-05-01 | 陈辉敏 | A kind of tripartite's credit transaction method for including bank's identification and evaluation system |
-
2009
- 2009-09-25 CN CN200910307720A patent/CN101741956A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101950453A (en) * | 2010-07-19 | 2011-01-19 | 福建联迪商用设备有限公司 | Novel mobile phone payment terminal-based payment method |
| CN102568124A (en) * | 2010-12-24 | 2012-07-11 | 汉斯·杰里·乌尔本·彼得森 | Communication method between traditional charging equipment and mobile payment system |
| CN102622828A (en) * | 2011-02-01 | 2012-08-01 | 福建新大陆电脑股份有限公司 | Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof |
| CN102411814A (en) * | 2011-08-10 | 2012-04-11 | 中国工商银行股份有限公司 | Identity authentication method, handheld ATM (automated teller machine) terminal and system |
| CN102881090A (en) * | 2012-06-29 | 2013-01-16 | 巫少芬 | Mobile system for card payment |
| CN104184848A (en) * | 2013-05-21 | 2014-12-03 | 上海斐讯数据通信技术有限公司 | Mobile terminal with card charge function |
| CN107545291A (en) * | 2016-06-27 | 2018-01-05 | 汪风珍 | A kind of cell phone bank card and its financial trade method |
| CN107977891A (en) * | 2017-11-23 | 2018-05-01 | 陈辉敏 | A kind of tripartite's credit transaction method for including bank's identification and evaluation system |
| CN107977891B (en) * | 2017-11-23 | 2021-09-17 | 陈辉敏 | Three-party credit transaction method comprising bank identification and evaluation system |
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Application publication date: 20100616 |