CN101819702A - Transaction system and method taking mobile telephone as mobile card reader - Google Patents

Transaction system and method taking mobile telephone as mobile card reader Download PDF

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Publication number
CN101819702A
CN101819702A CN 200910008122 CN200910008122A CN101819702A CN 101819702 A CN101819702 A CN 101819702A CN 200910008122 CN200910008122 CN 200910008122 CN 200910008122 A CN200910008122 A CN 200910008122A CN 101819702 A CN101819702 A CN 101819702A
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China
Prior art keywords
mobile phone
transaction
card
calculating punch
transaction system
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Granted
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CN 200910008122
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Chinese (zh)
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CN101819702B (en
Inventor
李威勋
谬嘉新
官有富
宋育展
李健铭
曾宪雄
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Chunghwa Telecom Co Ltd
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Chunghwa Telecom Co Ltd
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Priority to CN 200910008122 priority Critical patent/CN101819702B/en
Publication of CN101819702A publication Critical patent/CN101819702A/en
Application granted granted Critical
Publication of CN101819702B publication Critical patent/CN101819702B/en
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Abstract

The invention discloses a transaction system and a method taking a mobile telephone as a mobile card reader. The transaction system consists of an NFC mobile telephone card reader with a near field communication function, an air verifying and system updating server, a card transaction background clearing system and a non-contact card used by a customer. A merchant can download or update card reader software and keys which belong to different background clearing systems through the air verifying and system updating server by taking an NFC mobile telephone serving as the transaction card reader through an air software updating mechanism, so that the NFC mobile telephone becomes a multi-purpose transaction card reader capable of reading different cards. The transaction system can be applied to places where the card reader is difficult to arrange, so that the mobile telephone is not required to be returned to a factory for installing updating software when the mobile telephone is used as a new transaction system card reader; and moreover, the safety of the transaction system is ensured.

Description

A kind of with transaction system and the method for mobile phone as mobile card reader
Technical field
The present invention relates to a kind of with the transaction system and the method for mobile phone as mobile card reader.
Background technology
Traditional card mechanism of exchange is divided into two kinds: the calculating punch of online transaction and the calculating punch of off-line type, wherein the calculating punch of this online transaction must be installed in the fixed position that network can be communicated with, as traffic IC card (EasyCard) gate machine, or shop POS machine; And the calculating punch of off-line type still needs to connect back-end system, adopts the online afterwards clearance mode of transaction, as the traffic IC card calculating punch on the bus, or the POS machine on the aircraft; The transaction of these two kinds of mechanism all needs exclusive calculating punch, and platform is cleared in calculating punch rear end online or that afterwards connect the simple transaction system, so this calculating punch only can use on the transaction system of single card;
Be connected to its backstage liquidation center (with the credit card is example, and its liquidation center is a merchant bank) and the mechanism of exchange of present card transaction system mostly is a calculating punch greatly by network, finish mechanism of exchange after obtaining the authorization identifying of transaction; And the calculating punch in this mechanism of exchange is the device of special purpose, Card Reader/transaction the standard of swiping the card that only can meet single liquidation center, though might be by installing or reequip the demand that wireless communication module is reached the transaction of actionization Card Reader additional, but still can't reach the purposes that can read multiple different cards, with the elasticity that can dynamically update card Card Reader and authentication mechanism; Though credit card has the mechanism that off-line type is swiped the card in addition,,, the validity that can't make online checking credit card receives the raising relatively of taking risks because of making as the machine for punching the card of using on the aircraft.
This shows that above-mentioned existing mode still has many disappearances, real non-one good design, and demand urgently being improved.
Summary of the invention
It is a kind of with transaction system and the method for mobile phone as mobile card reader that purpose of the present invention promptly is to provide, can work as multi-usage mobile card reader system with mobile phone with NFC function, mobile phone can be integrated becomes the traction equipment (POS) of the moving terminal consumption of delegation, both can integrate the Card Reader/mechanism of swiping the card of the non-contact IC card of various different purposes by mobile phone, credit card for example, traffic IC card (EasyCard), stored value card (I-CASH) or the like, and possess every function of general non-contact card reading machine POS traction equipment.
It is a kind of with transaction system and the method for mobile phone as mobile card reader that secondary objective of the present invention promptly is to provide, can dynamically install, upgrade the mechanism of calculating punch software, make the NFC mobile phone can integrate the card transaction system of multiple character dynamically, and can be updated to up-to-date calculating punch software version at any time along with the setting of backstage system for settling account.
Of the present invention time a purpose promptly is to provide a kind of with transaction system and the method for mobile phone as mobile card reader, in order to improve restricted card Card Reader in calculating punch special purpose and place and mode of doing business, the present invention is with the calculating punch of NFC mobile phone as the non-contact card transaction system of multifunctional and multipurpose.
Reach the foregoing invention purpose with transaction system and the method for mobile phone as mobile card reader, it is the two-way read functions of non-contact card that utilizes on the NFC mobile phone, cooperate aerial checking and system update server (OTA server), can be so that with the NFC mobile phone, verify holder's legitimacy in the air by mobile communication network, and then the calculating punch program software of downloading or upgrade the transaction system that various this user licenses is provided, use as the calculating punch of mobile multiple use card transaction system; Also can upgrade the calculating punch program at any time by this mechanism, make the renewal of system software needn't pass through go back to factory more in the air, or installing software and hardware additional carries out the software upgrading action by carrying out on the spot; Possess the NFC mobile phone of the software that the legal transaction card reading mechanism of checking is arranged, can authorize the various cards of Card Reader to conclude the business in the air to it, the content of transaction sends back the background system that belongs to various cards application by mobile communication network and clears.
Provided by the present invention with transaction system and the method for mobile phone as mobile card reader, when comparing mutually, have more and get the row advantage ready with other prior art:
1. of the present invention with the transaction system and the method for mobile phone as mobile card reader, the mobile phone that wherein has the NFC function can be worked as the calculating punch use that becomes multiduty card transaction system, obtain the trade gold key of different transaction systems by start login and checking, make the transaction that to exercise the different cards chip system with mobile phone, as credit card, traffic IC card, cash card, permit identification, student's identity card or the like.
2. of the present invention with the transaction system and the method for mobile phone as mobile card reader, can improve existing card transaction system and not have the shortcoming easily of taking action, can be applied to and be difficult to the place that cloth is built calculating punch, as application services such as action street pedlar, the deliveryman that cashes on delivery, taxi driver or parking receipt and payment expenses.
3. of the present invention with the transaction system and the method for mobile phone as mobile card reader, this aerial software upgrading (OTA wherein, Over The Air) mechanism, the calculating punch software that can belong to different backstages system for settling account by aerial checking and system update downloaded or renewal need not go back to factory when allowing mobile phone treat as to use for new transaction system calculating punch update software is installed.
4. of the present invention with the transaction system and the method for mobile phone as mobile card reader; the chip gold key built-in by the NFC mobile phone carries out safety certification; by maltilevel security protection mechanisms such as SIM card number, transaction system authentication code, one-time transaction safety gold keys, can guarantee the security of transaction system again.
Description of drawings
See also the detailed description and the accompanying drawing thereof of following relevant a preferred embodiment of the present invention, can further understand technology contents of the present invention and purpose effect thereof, the accompanying drawing of relevant this embodiment is:
Fig. 1 is that the present invention is with the system architecture synoptic diagram of mobile phone as the transaction system and the method for mobile card reader;
Fig. 2 verifies process flow diagram with mobile phone as the transaction system of mobile card reader and the calculating punch start of method for the present invention;
Fig. 3 is that the present invention is with the download and renewal calculating punch software flow pattern of mobile phone as the transaction system and the method for mobile card reader; And
Fig. 4 is that the present invention is with the card transaction flow figure of mobile phone as the transaction system and the method for mobile card reader;
Accompanying drawing sign: 1:NFC mobile phone type calculating punch; 2: aerial checking and system update server; 3: card transaction backstage system for settling account; 4: non-contact card; 5; The wireless type busines printer of signing a bill.
Embodiment
Embodiment 1:
See also Fig. 1, for the present invention with the system architecture synoptic diagram of mobile phone as the transaction system and the method for mobile card reader, its main composition assembly includes:
NFC mobile phone type calculating punch 1 is one to possess the NFC mobile phone type calculating punch of near-field communication function, concludes the business by the mode and the non-contact card 4 of near-field communication, as the purposes that replaces traditional type Card Reader or machine for punching the card; This NFC mobile phone type calculating punch 1 is before distribution in addition, need in advance its transaction system of login to manage golden key (POS KEY) and businessman's data in the database of aerial checking and system update server 2, and the transaction system keeper (NFC POS MANAGER) that researches and develops of installation native system;
Aerial checking and system update server 2, be to manage golden key as the transaction system of management and control distribution NFC mobile phone type calculating punch 1, and be responsible for the identity and distribution trade gold key of checking NFC mobile phone type calculating punch 1, and be responsible for the transaction system software upgrading of NFC mobile phone type calculating punch 1;
Card transaction backstage system for settling account 3 is to accept the card transaction-based requirements that NFC mobile phone type calculating punch 1 is proposed, and by the safety certification of trade gold key, carries out the transaction of card;
The wireless type busines printer 5 of signing a bill is connected with NFC mobile phone type calculating punch 1, and the transaction voucher of Transaction Success can be printed.
See also Fig. 2,, the steps include: for the present invention verifies process flow diagram with mobile phone as the transaction system of mobile card reader and the calculating punch start of method
A. start the transaction system keeper (NFC POS MANAGER) on the NFC mobile phone type calculating punch, this Automatic Program connects to aerial checking and system update server (OTA server) 21 by the mobile communication network that mobile phone connected;
B. transaction system keeper (the NFC POS MANAGER) program by NFC mobile phone type calculating punch reads safety certification card number in the chip for cell phone, SIM card number, is sent to aerial checking and system update server and verifies that this NFC mobile phone type calculating punch 1 is legal calculating punch (examination chip safety certification card number, SIM card number) 22;
C. it is legal calculating punch that aerial checking is replied this NFC mobile phone type calculating punch with the system update server, therefore NFC mobile phone type calculating punch user (businessman) selects the card transaction system that will use and imports the identifying code that this system authorizes, the transaction system of NFC mobile phone type calculating punch management (NFC POS MANAGER) program reads user's input validation sign indicating number, is sent to aerial checking and system update server and transfers to the backstage system for settling account of selected transaction system and verify the legitimacy of this user (businessman) (identifying code that the checking user imports) 23;
D. by after the checking, issue the backstage system for settling account that a pair of trade gold key is given this NFC mobile phone type calculating punch and transaction system by the OTA server, and when carrying out the school with NFC mobile phone type calculating punch 24;
E. both sides whereby the trade gold key carry out card transaction 25; And should the gold key only for the use of this time of this time NFC transaction system keeper start, the trade gold key that the OTA server of each start is issued is also inequality.
See also Fig. 3, for the present invention with mobile phone as the download of the transaction system of mobile card reader and method with upgrade the calculating punch software flow pattern, the steps include:
A. start the transaction system keeper (NFC POS MANAGER) on the NFC mobile phone type calculating punch, connect to aerial checking and system update server 31 by the mobile communication network that mobile phone connected automatically;
The transaction system keeper of b.NFC mobile phone type calculating punch (NFC POS MANAGER) reads safety certification card number in the chip for cell phone, SIM card number and transaction system software version, is sent to aerial checking and system update server and verifies that this NFC mobile phone type calculating punch is legal calculating punch 32;
C. it is legal calculating punch that aerial checking is replied this NFC mobile phone type calculating punch with the system update server, the transaction system keeper of NFC mobile phone type calculating punch automatically respectively has been installed in various card transaction system software versions on the NFC mobile phone with the comparison of OTA server, and download can be for the transaction system software inventory that upgrades, and user (businessman) selects the software 33 that will download or upgrade on inventory;
Transaction system keeper's automatically connect of d.NFC mobile phone type calculating punch is downloaded latest edition card transaction system software, installs the back and finishes 34 to this software installation renewal of OTA server registration.
See also Fig. 4, for the present invention with the card transaction flow figure of mobile phone as the transaction system and the method for mobile card reader, the steps include:
A. start the transaction system keeper (NFC POS MANAGER) on the NFC mobile phone type calculating punch, by the start logging program, and the Card Reader software that starts selected transaction system is to obtain its trade gold key 41;
B. according to the transaction flow of user (businessman) transaction system, input transaction content (as dealing money) concludes the business 42 with the card of transaction near NFC mobile phone type calculating punch then;
Pass back to the rear end clearance platform of this transaction system after the transaction system administrator software of c.NFC mobile phone type calculating punch is encrypted transaction content (as card number, time, the amount of money) by the trade gold key, conclude the business 43 according to the defined flow process of this transaction system;
D. the printer prints transaction voucher 44 if Transaction Success then shows Transaction Success, and by external wireless type then shows the transaction errors situation as if Fail Transaction.
Above-listed detailed description is at the specifying of one of the present invention possible embodiments, and this embodiment is not in order to limiting claim of the present invention, does not allly break away from equivalence of the present invention and implements or change, all should be contained in the claim of this case.

Claims (11)

1. one kind with the transaction system of mobile phone as mobile card reader, it is characterized in that: comprising:
NFC mobile phone type calculating punch is concluded the business by the mode and the non-contact card of near-field communication, as the purposes that replaces traditional type calculating punch and machine for punching the card;
Aerial checking and system update server are managed golden key as the transaction system of management and control distribution NFC mobile card reader, and are responsible for the identity and distribution trade gold key of checking calculating punch, and are responsible for the transaction system software upgrading of calculating punch;
Card transaction backstage system for settling account is accepted the card transaction-based requirements that calculating punch proposes, and by the safety certification of trade gold key, carries out the transaction of card.
2. according to claim 1 with the transaction system of mobile phone as mobile card reader, it is characterized in that: described NFC mobile phone type calculating punch is the mobile phone that possesses the near-field communication function.
3. one kind with the method for commerce of mobile phone as mobile card reader, it is characterized in that: comprising:
A. card method of commerce;
B. calculating punch software download and update method.
4. according to claim 3 with the method for commerce of mobile phone as mobile card reader, it is characterized in that: the step of described card method of commerce is:
The start logging program of a.NFC mobile phone type calculating punch, and the Card Reader software that starts selected transaction system is to obtain its trade gold key;
B. according to the transaction flow of merchant transaction system, the input transaction content, then with the card of transaction near NFC mobile phone type calculating punch;
Pass back to the rear end clearance platform of this transaction system after the transaction system administrator software of c.NFC mobile phone type calculating punch is encrypted transaction content by the trade gold key, conclude the business according to the defined flow process of this transaction system;
D. the printer prints transaction voucher if Transaction Success then shows Transaction Success, and by external wireless type then shows the transaction errors situation as if Fail Transaction.
5. according to claim 3 with the method for commerce of mobile phone as mobile card reader, it is characterized in that: the step of described calculating punch software download and update method is:
The start logging program of a.NFC mobile phone type calculating punch;
Automatically each has been installed in the various card transaction system software versions on the NFC mobile phone to the transaction system keeper of b.NFC mobile phone type calculating punch with aerial checking and the comparison of system update server, and download and to supply businessman to select the software that to download or to upgrade for the transaction system software inventory that upgrades;
Transaction system keeper's automatically connect of c.NFC mobile phone type calculating punch is downloaded latest edition card transaction system software, installs the back and finishes to aerial checking and this software installation renewal of system update server registration.
6. according to claim 4 or 5 described with the method for commerce of mobile phone as mobile card reader, it is characterized in that: described NFC mobile phone type calculating punch must login in advance before use its transaction system manage golden key and businessman's data aloft verify with system update data in server storehouse in, and the transaction system keeper is installed.
7. according to claim 4 or 5 described with the method for commerce of mobile phone as mobile card reader, it is characterized in that: described NFC mobile phone type calculating punch belongs to the calculating punch software of different backstages system for settling account by aerial checking and system update downloaded or renewal, can connect a plurality of card transaction systems, so that the transaction of different cards chip system to be provided.
8. according to claim 5 with the method for commerce of mobile phone as mobile card reader, it is characterized in that: described aerial checking and system update server, download or renewal belong to the calculating punch software of different backstages system for settling account, so that the transaction of different cards chip system to be provided.
9. according to claim 8 with the method for commerce of mobile phone as mobile card reader, it is characterized in that: described card system is credit card, traffic IC card, cash card, permit identification or student's identity card.
10. according to claim 4 or 5 described with the method for commerce of mobile phone as mobile card reader, it is characterized in that: the step of the start logging program of described NFC mobile phone type calculating punch is:
A. start the transaction system keeper on the NFC mobile phone type calculating punch, connect to aerial checking and system update server by mobile communication network;
The transaction system keeper of b.NFC mobile phone type calculating punch reads safety certification card number in the chip for cell phone, SIM card number, is sent to aerial checking and system update server and verifies that this NFC mobile phone type calculating punch is legal calculating punch;
C. it is legal calculating punch that aerial checking is replied this NFC mobile phone type calculating punch with the system update server, and NFC mobile phone type calculating punch user selects the card transaction system that will use and imports the identifying code that this system authorizes;
The transaction system administrator program of d.NFC mobile phone type calculating punch reads user's input validation sign indicating number, is sent to aerial checking and system update server and transfers to the legitimacy that the backstage system for settling account of selected transaction system is verified this user;
E. by after the checking, issue the backstage system for settling account of a pair of trade gold key to this NFC mobile phone type calculating punch and transaction system by aerial checking and system update server, and when carrying out the school with NFC mobile phone type calculating punch;
F. both sides whereby the trade gold key carry out card transaction or software download and renewal.
11. according to claim 4 or 5 described with the method for commerce of mobile phone as mobile card reader, it is characterized in that: described trade gold key only uses for this time of transaction system keeper start of this time NFC mobile phone type calculating punch.
CN 200910008122 2009-02-27 2009-02-27 Transaction system and method taking mobile telephone as mobile card reader Expired - Fee Related CN101819702B (en)

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CN102722813A (en) * 2012-04-21 2012-10-10 郁晓东 Hierarchical multiple electronic currency device and multiple electronic currency management method
CN102737308A (en) * 2012-06-08 2012-10-17 中兴通讯股份有限公司 Mobile terminal and method and system for inquiring information of intelligent card
CN102930432A (en) * 2011-06-22 2013-02-13 美国博通公司 Point of sale system for transaction payment delegation
CN103035083A (en) * 2012-11-29 2013-04-10 深圳市新国都技术股份有限公司 Intelligent card transaction function implement method
CN103176933A (en) * 2011-08-17 2013-06-26 艾欧互联有限公司 Adapter, hand-held device and system
CN103714285A (en) * 2013-12-20 2014-04-09 上海卓悠网络科技有限公司 NFC-based method and device for achieving mobile terminal access right control
CN103914724A (en) * 2014-03-03 2014-07-09 许刚 ATM card and operating method thereof
CN103986739A (en) * 2013-02-07 2014-08-13 蔡毓芬 Action device, and conversion system and conversion method for virtual valuables
CN104348812A (en) * 2013-08-06 2015-02-11 中国电信股份有限公司 Method and device for on-line certification of NFC (Near Field Communication) terminal
CN104700262A (en) * 2013-12-10 2015-06-10 中国银联股份有限公司 NFC (near field communication) mobile terminal and POS (point of sale) terminal based payment system
CN105704092A (en) * 2014-11-25 2016-06-22 卓望数码技术(深圳)有限公司 User identity authentication method, device and system
CN107995284A (en) * 2017-11-29 2018-05-04 艾体威尔电子技术(北京)有限公司 A kind of OTA upgrade methods suitable for POS machine
CN108668004A (en) * 2017-03-10 2018-10-16 兄弟工业株式会社 Terminal installation and the method being executed by it, non-transitory recording medium

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CN2877175Y (en) * 2006-09-14 2007-03-07 宾志滔 Universal function expander for cell phone
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CN102930432A (en) * 2011-06-22 2013-02-13 美国博通公司 Point of sale system for transaction payment delegation
CN103176933A (en) * 2011-08-17 2013-06-26 艾欧互联有限公司 Adapter, hand-held device and system
CN102722813A (en) * 2012-04-21 2012-10-10 郁晓东 Hierarchical multiple electronic currency device and multiple electronic currency management method
CN102737308A (en) * 2012-06-08 2012-10-17 中兴通讯股份有限公司 Mobile terminal and method and system for inquiring information of intelligent card
WO2013181885A1 (en) * 2012-06-08 2013-12-12 中兴通讯股份有限公司 Mobile terminal and method and system for inquiring information of intelligent card
CN102737308B (en) * 2012-06-08 2015-08-12 中兴通讯股份有限公司 The method and system of a kind of mobile terminal and inquiry smart card information thereof
CN103035083A (en) * 2012-11-29 2013-04-10 深圳市新国都技术股份有限公司 Intelligent card transaction function implement method
CN103986739A (en) * 2013-02-07 2014-08-13 蔡毓芬 Action device, and conversion system and conversion method for virtual valuables
CN103986739B (en) * 2013-02-07 2017-10-20 蔡毓芬 The converting system and conversion method of running gear, virtual valuables
CN104348812A (en) * 2013-08-06 2015-02-11 中国电信股份有限公司 Method and device for on-line certification of NFC (Near Field Communication) terminal
CN104348812B (en) * 2013-08-06 2018-05-15 中国电信股份有限公司 A kind of method and apparatus of NFC terminal on-line authentication
CN104700262A (en) * 2013-12-10 2015-06-10 中国银联股份有限公司 NFC (near field communication) mobile terminal and POS (point of sale) terminal based payment system
CN104700262B (en) * 2013-12-10 2019-01-18 中国银联股份有限公司 A kind of payment system based on NFC mobile terminal and POS terminal
CN103714285A (en) * 2013-12-20 2014-04-09 上海卓悠网络科技有限公司 NFC-based method and device for achieving mobile terminal access right control
CN103914724A (en) * 2014-03-03 2014-07-09 许刚 ATM card and operating method thereof
CN105704092A (en) * 2014-11-25 2016-06-22 卓望数码技术(深圳)有限公司 User identity authentication method, device and system
CN108668004A (en) * 2017-03-10 2018-10-16 兄弟工业株式会社 Terminal installation and the method being executed by it, non-transitory recording medium
CN107995284A (en) * 2017-11-29 2018-05-04 艾体威尔电子技术(北京)有限公司 A kind of OTA upgrade methods suitable for POS machine

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