CN101770670A - Mobile payment device and method utilizing mobile payment device to distribute card and realize mobile payment - Google Patents
Mobile payment device and method utilizing mobile payment device to distribute card and realize mobile payment Download PDFInfo
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- CN101770670A CN101770670A CN200910104846A CN200910104846A CN101770670A CN 101770670 A CN101770670 A CN 101770670A CN 200910104846 A CN200910104846 A CN 200910104846A CN 200910104846 A CN200910104846 A CN 200910104846A CN 101770670 A CN101770670 A CN 101770670A
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Abstract
The invention is suitable for the technical field of close-range wireless communication and provides a mobile payment device and a method utilizing the mobile payment device to distribute a card and realize mobile payment. The mobile payment device comprises a magnetic strip reading unit, a micro-control unit, a data interface unit and an NFC card reading unit. The magnetic strip reading unit is used for reading magnetic track information of a magnetic strip card; the micro-control unit is used not only for encrypting the magnetic track information of the magnetic strip card and writing the encrypted magnetic track information of the magnetic strip card into an intelligent expansion card, but also for reading data in the intelligent expansion card, carrying out encryption as well as conversion on the data and transmitting the data to a communication terminal; the data interface unit is used for realizing communication between the micro-control unit and the communication terminal; and the NFC card reading unit is used for carrying out data exchanging between the mobile payment device and the intelligent expansion card. In the invention, as the magnetic track information of the magnetic strip card is written into the intelligent expansion card, the intelligent expansion card and the mobile payment device can carry out close-range non-contact type payment, thereby avoiding the problem that the magnetic strip card cannot realize the non-contact type mobile payment.
Description
Technical field
The invention belongs to the short distance wireless communication technology field, relate in particular to a kind of mobile payment device and utilize its hair fastener and the method for realization mobile payment.
Background technology
In the financial field, the existing modes of payments mainly realizes by magnetic stripe card.In the prior art, the user can be by multiple payment terminal, realize payment function as ATM, bank self-aid apparatus, POS machine etc., prior art can satisfy the demand of the multiple payment in the actual use, but can't satisfy the demand that the user carries out mobile payment.
Summary of the invention
The object of the present invention is to provide a kind of mobile payment device and utilize its hair fastener and the method for realization mobile payment, be intended to solve the problem that the prior art magnetic stripe card can not be realized mobile payment.
The present invention is achieved in that a kind of mobile payment device, it is characterized in that, described mobile payment device comprises:
Magnetic strip reading unit is used to read the magnetic track information of magnetic stripe card;
Micro-control unit is used for the magnetic track information of described magnetic stripe card is encrypted and the magnetic track information of the magnetic stripe card encrypted is write intelligent expansion card, also be used for reading intelligent expansion card data, carry out encrypting conversion and be sent to communication terminal;
Data interface unit is used to realize communicating by letter of described micro-control unit and communication terminal;
The NFC card reading unit is used for carrying out between described mobile payment device and the intelligent expansion card exchanges data.
Another object of the present invention is to provide a kind of method that adopts aforesaid mobile payment device hair fastener, said method comprising the steps of:
Magnetic strip reading unit reads the magnetic track information of magnetic stripe card;
Micro-control unit writes the magnetic track information of described magnetic stripe card in the intelligent expansion card.
Another object of the present invention is to provide a kind of method that adopts aforesaid mobile payment device to realize mobile payment, said method comprising the steps of:
Pass through NFC card reading unit swap data between mobile payment device and the intelligent expansion card;
Micro-control unit reads the data of storing in the intelligent expansion card;
Micro-control unit is uploaded the data of storing in the intelligent expansion card issuers server to communication terminal by data-interface.
In the present invention, write in the intelligent expansion card by magnetic track information magnetic stripe card, can carry out closely contactless payment by intelligent expansion card and mobile payment device, can remove from and use magnetic stripe card to pay to realize the problem of noncontact mobile payment.
Description of drawings
Fig. 1 is the structural representation of the mobile payment device that provides of the embodiment of the invention;
Fig. 2 is the realization flow figure of the employing mobile payment device hair fastener that provides of the embodiment of the invention;
Fig. 3 is the realization flow figure that employing mobile payment device that the embodiment of the invention provides carries out mobile payment.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer,, the present invention is further elaborated below in conjunction with drawings and Examples.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
In embodiments of the present invention, write in the intelligent expansion card by magnetic track information magnetic stripe card, can carry out closely contactless payment by intelligent expansion card and mobile payment device, can remove from and use magnetic stripe card to pay to realize the problem of noncontact mobile payment.
Fig. 1 shows the structure of the mobile payment device that the embodiment of the invention provides, and for convenience of explanation, only shows the relevant part of the embodiment of the invention.This mobile payment device comprises: magnetic strip reading unit 11, micro-control unit 12, intelligent expansion card interface 13, input block 14, NFC card reading unit 15, data-interface 16, stateful transaction indicating member 17, hummer 18.
Magnetic strip reading unit 11, be used to read the magnetic track information of magnetic stripe card, detailed process is as follows: the hand-held magnetic stripe card of user was brushed the chute of magnetic strip reading unit 11 with a continuous speed, the magnetic stripe of magnetic stripe card contacts with the magnetic head of magnetic strip reading unit 11, and magnetic strip reading unit 11 reads the second and the 3rd magnetic track information of magnetic stripe card.
The user is by the checking instruction of input block 14 input magnetic stripe cards, after micro-control unit 12 receives the checking instruction of user's input, upload the magnetic track information of checking instruction and magnetic stripe card to communication terminal by data-interface 16, confirm for issuers server, if the checking instruction is correct, 12 pairs of magnetic stripe card information of micro-control unit are encrypted, and by intelligent expansion card interface 13 the magnetic stripe card information of encrypting are write intelligent expansion card; If the checking instruction is incorrect, then make mistakes by 17 promptings of stateful transaction indicating member.
Under contactless duty, NFC card reading unit 15 in the mobile payment device judges that intelligent expansion card (is inserted in terminal device, such as mobile phone, in the Payment Card) effective range that enters mobile payment device, if within effective range, intelligent expansion card is sensed in 17 promptings of stateful transaction indicating member, and the prompting user is by the instruction of input block 14 input validations, the micro-control unit 12 of mobile payment device reads data and the password of storing in the intelligent expansion card, and it is carried out encrypting conversion, upload the issuers server of encrypting conversion result by data-interface 16 to communication terminal, card issuer server confirms that the acknowledgement information that data-interface 16 reception issuers server are returned is also passed through stateful transaction indicating member 17 prompting customer transaction results.
Wherein, in embodiments of the present invention, stateful transaction indicating member 17 is LED display module or LCD display module; Data-interface 16 is USB interface; Input block 14 is keyboards; When the user operated input block 14 or needs to remind the customer transaction state, hummer 18 can send different prompt tones.
Fig. 2 shows the realization flow of the employing mobile payment device hair fastener that the embodiment of the invention provides, and details are as follows:
In step S201, magnetic strip reading unit reads the magnetic track information of magnetic stripe card.
As one embodiment of the present of invention, the hand-held magnetic stripe card of user was brushed the chute of magnetic stripe reader with a continuous speed, and magnetic strip reading unit reads the second and the 3rd magnetic track information of magnetic stripe card, and detailed process does not repeat them here as mentioned above.
In step S202, input block receives the checking instruction of user's input, upload the magnetic track information of checking instruction and magnetic stripe card to communication terminal by data-interface, confirm for issuers server, micro-control unit receives the affirmation information that issuers server sends, and is correct if instruction is verified in affirmation, then execution in step S203, otherwise continue execution in step S202, correct until the checking instruction of user's input.
As one embodiment of the present of invention, after mobile payment device received the checking instruction of user input, the magnetic track information of uploading checking instruction and magnetic stripe card by data-interface was confirmed for issuers server to communication terminal, receive the affirmation information that issuers server sends, if confirm to verify that instruction is correct, then execution in step S203 is incorrect if checking is instructed, continue execution in step S202, checking instruction until user's input is correct, and detailed process does not repeat them here as mentioned above.
In step S203, micro-control unit is encrypted the magnetic track information of magnetic stripe card.
In step S204, the magnetic track information of the magnetic stripe card after micro-control unit will be encrypted writes in the intelligent expansion card.
The realization flow that the employing mobile payment device that Fig. 3 shows the embodiment of the invention to be provided carries out mobile payment, details are as follows:
In step S301, NFC card reading unit and intelligent expansion card swap data.
Intelligent expansion card (is inserted in terminal device, such as mobile phone, Payment Card) near mobile payment device, under contactless duty, NFC card reading unit in the mobile payment device is judged the effective range that intelligent expansion card enters mobile payment device, if within effective range, mobile payment device and intelligent expansion card swap data.
In step S302, intelligent expansion card is sensed in the prompting of stateful transaction indicating member, and the prompting user inputs password.
In step S303, micro-control unit reads data and the password of storing in the intelligent expansion card, and it is carried out encrypting conversion.
In step S304, the micro-control unit controls data-interface is uploaded the issuers server of encrypting conversion result to communication terminal.
The micro-control unit controls data-interface is uploaded the issuers server of encrypting conversion result to communication terminal, card issuer server is confirmed and is sent it back the information of holding, the acknowledgement information that micro-control unit controls data-interface reception issuers server is returned is also passed through stateful transaction indicating member prompting customer transaction result, detailed process does not repeat them here as mentioned above.
One of ordinary skill in the art will appreciate that, realize that all or part of step in the foregoing description method is to instruct relevant hardware to finish by program, described program can be in being stored in a computer read/write memory medium, described storage medium is as ROM/RAM, disk, CD etc.
In embodiments of the present invention, write in the intelligent expansion card by magnetic track information magnetic stripe card, can carry out closely contactless payment by intelligent expansion card and mobile payment device, can remove from and use magnetic stripe card to pay to realize the problem of noncontact mobile payment.
The above only is preferred embodiment of the present invention, not in order to restriction the present invention, all any modifications of being done within the spirit and principles in the present invention, is equal to and replaces and improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. a mobile payment device is characterized in that, described mobile payment device comprises:
Magnetic strip reading unit is used to read the magnetic track information of magnetic stripe card;
Micro-control unit is used for the magnetic track information of described magnetic stripe card is encrypted and the magnetic track information of the magnetic stripe card encrypted is write intelligent expansion card, also be used for reading intelligent expansion card data, carry out encrypting conversion and be sent to communication terminal;
Data interface unit is used to realize communicating by letter of described micro-control unit and communication terminal;
The NFC card reading unit is used for carrying out between described mobile payment device and the intelligent expansion card exchanges data.
2. mobile payment device as claimed in claim 1 is characterized in that, described mobile payment device also comprises:
Input block is used to receive the checking instruction of user's input.
3. mobile payment device as claimed in claim 1 or 2 is characterized in that, described mobile payment device also comprises:
The stateful transaction indicating member is used to indicate the state of transaction.
4. mobile payment device as claimed in claim 3 is characterized in that, described mobile payment device also comprises:
Hummer is used for sending different prompt tones when maybe needing to remind stateful transaction in the checking instruction that receives user's input.
5. mobile payment device as claimed in claim 1 is characterized in that, described mobile payment device also comprises:
The intelligent expansion card interface is used to insert described intelligent expansion card.
6. a method that adopts the described mobile payment device hair fastener of claim 1 is characterized in that, described method comprises the steps:
Magnetic strip reading unit reads the magnetic track information of magnetic stripe card;
Micro-control unit writes the magnetic track information of described magnetic stripe card in the intelligent expansion card.
7. method as claimed in claim 6 is characterized in that, before described micro-control unit write the magnetic track information of described magnetic stripe card step in the intelligent expansion card, described method also comprised:
Input block receives the checking instruction of user's input, uploads the magnetic track information of checking instruction and magnetic stripe card to communication terminal by data-interface;
The affirmation information that micro-control unit received communication terminal is returned if the checking instruction is correct, is then encrypted the magnetic track information of magnetic stripe card.
8. a method that adopts the described mobile payment device of claim 1 to realize mobile payment is characterized in that described method comprises the steps:
Pass through NFC card reading unit swap data between mobile payment device and the intelligent expansion card;
Micro-control unit reads the data of storing in the intelligent expansion card;
Micro-control unit is uploaded the data of storing in the intelligent expansion card issuers server to communication terminal by data-interface.
9. method as claimed in claim 8 is characterized in that, uploads the data of storing in the intelligent expansion card by data-interface to the step of the issuers server of communication terminal at described micro-control unit, and described method also comprises:
Micro-control unit reads the data of storing in the intelligent expansion card and carries out encrypting conversion.
10. method as claimed in claim 9 is characterized in that, uploads the data of storing in the intelligent expansion card by data-interface to the step of the issuers server of communication terminal at micro-control unit, and described method also comprises:
The acknowledgement information that the server of micro-control unit reception credit card issuer returns.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101048469A CN101770670B (en) | 2009-01-07 | 2009-01-07 | Mobile payment device and method for utilizing mobile payment device to distribute card and realize mobile payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101048469A CN101770670B (en) | 2009-01-07 | 2009-01-07 | Mobile payment device and method for utilizing mobile payment device to distribute card and realize mobile payment |
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| Publication Number | Publication Date |
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| CN101770670A true CN101770670A (en) | 2010-07-07 |
| CN101770670B CN101770670B (en) | 2012-05-30 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009101048469A Expired - Fee Related CN101770670B (en) | 2009-01-07 | 2009-01-07 | Mobile payment device and method for utilizing mobile payment device to distribute card and realize mobile payment |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101901436A (en) * | 2010-07-19 | 2010-12-01 | 中兴通讯股份有限公司 | Method, device and system for implementing service payment |
| CN102426642A (en) * | 2011-10-28 | 2012-04-25 | 深圳市江波龙电子有限公司 | Information reading processor, card swiping system and method for live transaction |
| CN102868932A (en) * | 2011-07-08 | 2013-01-09 | 中兴通讯股份有限公司 | Method and terminal for acquiring mobile multimedia broadcasting frequency point information |
| CN103905457A (en) * | 2014-04-10 | 2014-07-02 | 北京数码视讯科技股份有限公司 | Server, client terminal, authentication system, user authentication method and data access method |
| CN106056190A (en) * | 2015-04-14 | 2016-10-26 | 三星电子株式会社 | Near-field communication package in portable device and near-field communication method |
| CN106874811A (en) * | 2016-12-27 | 2017-06-20 | 东软集团股份有限公司 | Magnetic stripe card method for reading data and device |
| CN108604342A (en) * | 2017-01-20 | 2018-09-28 | 华为技术有限公司 | Based on the NFC methods carried out data transmission and mobile device |
| US10651897B2 (en) | 2015-04-14 | 2020-05-12 | Samsung Electronics Co., Ltd | Near field communication package and portable device including the same |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20040104268A1 (en) * | 2002-07-30 | 2004-06-03 | Bailey Kenneth Stephen | Plug in credit card reader module for wireless cellular phone verifications |
-
2009
- 2009-01-07 CN CN2009101048469A patent/CN101770670B/en not_active Expired - Fee Related
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101901436A (en) * | 2010-07-19 | 2010-12-01 | 中兴通讯股份有限公司 | Method, device and system for implementing service payment |
| CN102868932A (en) * | 2011-07-08 | 2013-01-09 | 中兴通讯股份有限公司 | Method and terminal for acquiring mobile multimedia broadcasting frequency point information |
| CN102426642A (en) * | 2011-10-28 | 2012-04-25 | 深圳市江波龙电子有限公司 | Information reading processor, card swiping system and method for live transaction |
| CN102426642B (en) * | 2011-10-28 | 2014-06-25 | 深圳市江波龙电子有限公司 | Information reading processor, card swiping system and method for live transaction |
| CN103905457A (en) * | 2014-04-10 | 2014-07-02 | 北京数码视讯科技股份有限公司 | Server, client terminal, authentication system, user authentication method and data access method |
| CN103905457B (en) * | 2014-04-10 | 2017-06-27 | 北京数码视讯科技股份有限公司 | Server, client, Verification System and user authentication and data access method |
| CN106056190A (en) * | 2015-04-14 | 2016-10-26 | 三星电子株式会社 | Near-field communication package in portable device and near-field communication method |
| US10651897B2 (en) | 2015-04-14 | 2020-05-12 | Samsung Electronics Co., Ltd | Near field communication package and portable device including the same |
| CN106056190B (en) * | 2015-04-14 | 2020-10-23 | 三星电子株式会社 | Near field communication enclosure in portable device and method of near field communication |
| CN106874811A (en) * | 2016-12-27 | 2017-06-20 | 东软集团股份有限公司 | Magnetic stripe card method for reading data and device |
| CN106874811B (en) * | 2016-12-27 | 2020-05-01 | 东软集团股份有限公司 | Magnetic stripe card data reading method and device |
| CN108604342A (en) * | 2017-01-20 | 2018-09-28 | 华为技术有限公司 | Based on the NFC methods carried out data transmission and mobile device |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101770670B (en) | 2012-05-30 |
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