CN101894424A - Trading card processing system and method for improving safety - Google Patents

Trading card processing system and method for improving safety Download PDF

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Publication number
CN101894424A
CN101894424A CN2009100843410A CN200910084341A CN101894424A CN 101894424 A CN101894424 A CN 101894424A CN 2009100843410 A CN2009100843410 A CN 2009100843410A CN 200910084341 A CN200910084341 A CN 200910084341A CN 101894424 A CN101894424 A CN 101894424A
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China
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transaction
code
terminal
dimensional code
dimensional
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CN2009100843410A
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Chinese (zh)
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沈维
董江
钟立铎
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北京西阁万投资咨询有限公司;北京源泉信业科技项目管理有限公司
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Priority to CN2009100843410A priority Critical patent/CN101894424A/en
Publication of CN101894424A publication Critical patent/CN101894424A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3274Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device

Abstract

The invention relates to a trading card processing system for improving safety. The trading card processing system for improving safety comprises a trading card, a trading terminal, an identifying code dispensing device, a mobile terminal and a two-dimensional code reading device, wherein the trading terminal can trade with the trading card; the identifying code dispensing device is coupled with the trading terminal and can transmit two-dimensional codes for identification when being requested; the mobile terminal is correlated to the trading card, and the mobile terminal receives and displays the two-dimensional codes on a screen; and the two-dimensional code reading device is coupled with the trading terminal, and the two-dimensional code reading device reads and decodes the two-dimensional codes on the screen of the mobile terminal to enable the trading terminal to identify the two-dimensional codes so as to determine whether to allow a trade with the trading card. Accordingly, even if the trading card and the trading password are stolen, the stealer still can not use the trading card. The invention can effectively improve the safety of the existing trading system.

Description

提升安全性的交易卡处理系统和方法 Enhance the security of card transaction processing system and method

技术领域 FIELD

[0001] 本发明总地涉及交易卡处理系统和方法,并且更具体地,涉及提升安全性的交易卡处理系统和方法。 Generally [0001] The present invention relates to a transaction card processing systems and methods, and more particularly, to a system and method for processing transaction card to enhance security.

背景技术 Background technique

[0002] 当前,以银行卡在ATM机上取款、转账时,或者使用银行卡在POS机上直接进行消费时,是用户将银行卡插入ATM机或者在POS机上刷卡(参见图1的步骤101),然后输入银行卡的交易密码(步骤102)。 [0002] Currently, to a bank card in the ATM machine, transfer, or the use of a bank card on the POS machine direct consumption, the user bank card into the ATM machine, or card (Step 1, see FIG. 101) on the POS, then enter the password bank card transaction (step 102). 若是密码正确(步骤103),则交易被允许(步骤104)。 If the password is correct (step 103), the transaction is allowed (step 104). 换言之,当前的银行卡交易系统仅仅有密码这一重保护。 In other words, the current bank card transaction system only has this important password protection. 目前,银行卡被盗用、密码被破解或者偷拍而导致用户遭遇重大损失的案件层出不穷。 Currently, bank cards stolen, password is cracked or videotaping the case which led to heavy losses suffered after another user. 如何以简单而经济的方式提高现有交易卡处理系统的安全性,成为目前的一大重要课题。 What is a simple and economical way to improve the safety of existing card transaction processing systems, becoming one of the important issues.

发明内容 SUMMARY

[0003] 本发明的目标在于提高当前交易卡处理系统的安全性。 [0003] The object of the present invention is to improve the security of the current transaction card processing system. 该目标是通过以下技术方案实现的。 This goal is achieved through the following technical solutions.

[0004] 本发明的一个方面提供了一种提升安全性的交易卡处理系统,该交易卡处理系统包括:交易卡;交易终端,所述交易终端能够与所述交易卡进行交易;验证码分配装置,所述验证码分配装置与所述交易终端相耦合,并且在被请求时发送用于验证的二维码;移动终端,所述移动终端与所述交易卡相关联,所述移动终端接收并在屏幕上显示所述二维码; 以及与所述交易终端耦合的二维码读码装置,所述二维码读码装置从所述移动终端的所述屏幕上识读并解码所述二维码,以供所述交易终端验证所述二维码,从而确定是否允许与所述交易卡的交易。 One aspect of the [0004] present invention provide a transaction card to enhance security of the processing system, the card transaction processing system comprising: a transaction card; transaction terminal, the transaction terminal to trade with said transaction card; codes assigned means the verification code allocation means coupled to said transaction terminal, and transmits the two-dimensional code for authentication when requested; mobile terminal, the mobile terminal associated with the transaction card, the mobile terminal receives displayed on the screen and the two-dimensional code; and a transaction terminal coupled to the two-dimensional code reading apparatus, two-dimensional code reading means reading from the screen of the mobile terminal and decoding said two-dimensional code, the transaction terminal for validating the two-dimensional code, thereby determining whether to allow the transaction to the transaction card. 所述二维码读码装置集成在所述交易终端中,或者与所述交易终端外置连接。 The two-dimensional code reading means integrated in the transaction terminal, or external connection to the transaction terminal.

[0005] 根据该交易卡处理系统,所述验证码分配装置基于所述移动终端的请求向所述移动终端发送所述二维码。 [0005] According to the card transaction processing system, dispensing means for transmitting the authentication code to the two-dimensional code based on the mobile terminal requesting the mobile terminal.

[0006] 或者,所述验证码基于所述交易终端的请求向所述移动终端发送所述二维码。 [0006] Alternatively, the authentication code based on the transaction terminal to transmit the request to the mobile terminal two-dimensional code. 当所述交易卡请求与所述交易终端的交易时,所述交易终端读取所述交易卡中的标识信息, 并且所述验证码分配装置基于从所述交易终端获取的所述标识信息向与所述标识信息相关联的移动终端发送所述二维码。 When the transaction request to the transaction card transaction terminal, the transaction terminal reads the identification information of the transaction card, and the verification means based on the identification code allocation information to obtain from the transaction terminal the mobile terminal with the identification information associated with transmitting the two-dimensional code.

[0007] 该交易卡处理系统还可以包括验证码输入装置,用于输入与所述验证二维码相对应的验证码。 [0007] The transaction card processing system may further include a verification code input means for inputting the authentication code corresponding to the two-dimensional codes.

[0008] 在一个实施方案中,所述验证码分配装置以短信方式向所述移动终端发送所述二维码,其中所述二维码为二维字符阵列码。 [0008] In one embodiment, the dispensing device transmits the authentication code two-dimensional code in a text message to the mobile terminal, wherein said two-dimensional code is a two-dimensional array of character codes. 所述二维字符阵列码包括:排列为二维阵列的多个编码字符,其中,每个所述编码字符对应于表示信息的比特组,以及定位机构,所述定位机构定位所述编码字符排列的所述二维阵列的大小和/或方向,其中,每个所述编码字符属于多个字符组之一,每个所述字符组中的字符具有相同或相近的特征,并且属于同一字 The two-dimensional code character array comprising: a plurality of encoded characters arranged in a two-dimensional array, wherein each of said coded bit group representing character corresponds to the information, and the positioning mechanism, the positioning mechanism positioning the character coding arrangement magnitude and / or direction of the two-dimensional array, wherein each of the code characters belonging to one of a plurality of character groups, each character group of characters having the same or similar characteristics, and belong to the same word

5符组的字符映射到相同的比特组,并且其中所述二维字符阵列码的所述阵列的取向与所述屏幕具有固定的角度关系。 5 character set identifier mapped to the same bit group, and wherein the array of the two-dimensional array of characters code orientation and the screen having a fixed angular relationship.

[0009] 在另一个实施方案中,所述验证码分配装置以彩信、WAP推送方式向所述移动终端发送所述二维码,其中所述二维码为图片形式。 [0009] In another embodiment, the dispensing device authentication code MMS, WAP Push send the two-dimensional code to the mobile terminal, wherein the image is a two-dimensional code form.

[0010] 根据本发明,所述交易卡中的所述标识信息包括所述交易卡拥有人的身份信息, 并且所述移动终端是所述拥有人预先指定的。 [0010] According to the invention, the identification information of the transaction card comprises a transaction card owner identity information, and the owner of the mobile terminal is designated in advance.

[0011] 如果在预定时间内二维码读码装置未能读取到二维码,或者所述二维码验证未通过,则所述交易终端终止与所述交易卡的所述交易。 [0011] If the two-dimensional code reading apparatus can not be read within a predetermined time to the two-dimensional code or two-dimensional code verification fails, then the transaction terminal terminates the transaction with the transaction card. 如果所述二维码验证通过,所述交易终端还请求密码以继续进行所述交易。 If verification by the two-dimensional code, said transaction terminal further requests a password to proceed with the transaction.

[0012] 根据本发明,所述交易卡可以是任何包括交易功能的卡或类似载体,包括但不限于信用卡、贷记卡、储蓄卡、现金卡、储值式交易卡、俱乐部会员卡、物业管理卡、保险卡、加油卡、购电卡、购气卡、门禁卡、IC卡、证券卡或其组合。 [0012] According to the invention, the transaction card may comprise any transaction card function or similar vectors, including but not limited to credit card, credit card, debit card, cash card, a stored value card transaction type, club membership cards, property management cards, insurance cards, gas cards, purchase cards, purchase gas cards, access cards, IC cards, security cards, or combinations thereof.

[0013] 根据本发明,所述交易终端可以是任何包括卡交易功能的终端,包括但不限于ATM 机、POS机、门禁终端、银行服务柜台终端、银行个人保险柜业务终端、证券交易终端、证券服务柜台终端、保险理赔服务终端、加油机、商业机构支付终端。 [0013] According to the invention, the transaction terminal may comprise any transaction card functions of the terminal, including but not limited to ATM machines, POS, access terminal, a banking service counter terminal, a personal bank safe service terminal, securities transaction terminal, Securities services counter terminal, insurance claims service terminals, tankers, payment terminals businesses.

[0014] 根据本发明,所述移动终端包括但不限于移动电话、个人数字助理、掌上计算机、 具有通信功能的便携式游戏机。 [0014] According to the invention, the mobile terminal comprises a portable game machine, but not limited to mobile telephones, personal digital assistant, a palmtop computer, having a communication function.

[0015] 本发明的另一个方面提供一种提升安全性的交易卡处理方法,该交易卡处理方法包括:提供能够和交易终端进行交易的交易卡;向与所述交易终端耦合的验证码分配装置请求用于验证的二维码;所述验证码分配装置向与所述交易卡相关联的移动终端发送所述二维码;所述移动终端接收并在屏幕上显示所述二维码;与所述交易终端耦合的二维码读码装置从所述移动终端的所述屏幕上识读并解码所述二维码;以及所述交易终端验证所述二维码,从而确定是否允许与所述交易卡的交易。 [0015] Another aspect of the present invention to provide a transaction card to enhance security processing method, the transaction card processing method comprising: providing a transaction card capable of transaction and the transaction terminal; codes assigned to the transaction terminal coupled to verification means for requesting a two-dimensional code; dispensing device transmits the authentication code to the two-dimensional code of the transaction card associated with the mobile terminal; the mobile terminal receives and displays the two-dimensional code on a screen; two-dimensional code reading means and said transaction terminal coupled to said reading from the screen of the mobile terminal and decoding said two-dimensional code; and the transaction terminal to verify the two-dimensional code, and to determine whether to allow the transaction transaction card.

[0016] 其中,向与所述交易终端耦合的验证码分配装置请求用于验证的二维码的操作可以包括所述移动终端请求所述验证码分配装置向所述移动终端发送所述二维码。 Operation [0016] wherein the request for verification with the verification code allocation means coupled to said transaction terminal of the two-dimensional code may include a request for the authentication of the mobile terminal device transmits the two-dimensional code allocation to the mobile terminal code.

[0017] 可替换地,向与所述交易终端耦合的验证码分配装置请求用于验证的二维码的操作可以包括所述交易终端请求所述验证码分配装置向所述移动终端发送所述二维码。 Operation [0017] Alternatively, the request to the authentication code allocation means coupled to said transaction terminal for verifying the two-dimensional code may include a request for the authentication of the transaction terminal to transmit the code assignment to the mobile terminal device QR code. 具体来说,所述验证码分配装置向所述移动终端发送所述二维码的操作包括:当所述交易卡请求与所述交易终端的交易时,所述交易终端读取所述交易卡中的标识信息,并且所述验证码分配装置基于从所述交易终端获取的所述标识信息向与所述标识信息相关联的移动终端发送所述验证二维码。 In particular, the dispensing device transmits the authentication code to the two-dimensional code of the mobile terminal comprising: a request when the transaction of the transaction card transaction terminal, the transaction terminal reads the transaction card the identification information, and the verification means based on the identification code allocation information acquired from the terminal to the transaction identification information associated with the mobile terminal transmits the two-dimensional code verification.

[0018] 根据本发明,该交易卡处理方法还可以包括使用验证码输入装置输入与所述二维码相对应的验证码。 [0018] According to the invention, the transaction card may further include a processing method using a verification code input means for inputting the two-dimensional code corresponding to the codes.

[0019] 特别地,根据本发明的一个实施方案,所述验证码分配装置以短信方式向所述移动终端发送所述二维码,所述二维码为二维字符阵列码。 [0019] In particular, according to one embodiment of the invention, the dispensing device transmits the authentication code to the two-dimensional code in a text message to the mobile terminal, the two-dimensional code is a two-dimensional array of character codes. 所述二维字符阵列码包括:排列为二维阵列的多个编码字符,其中,每个所述编码字符对应于表示信息的比特组,以及定位机构,所述定位机构定位所述编码字符排列的所述二维阵列的大小和/或方向,其中,每个所述编码字符属于多个字符组之一,每个所述字符组中的字符具有相同或相近的特征,并且属于同一字符组的字符映射到相同的比特组,并且其中所述二维字符阵列码的所述阵列的取向与所述屏幕具有固定的角度关系。 The two-dimensional code character array comprising: a plurality of encoded characters arranged in a two-dimensional array, wherein each of said coded bit group representing character corresponds to the information, and the positioning mechanism, the positioning mechanism positioning the character coding arrangement magnitude and / or direction of the two-dimensional array, wherein each of the code characters belonging to one of a plurality of character groups, each character group of characters having the same or similar characteristics, and belong to the same character set characters mapped to the same bit group, and wherein the array of the two-dimensional array of characters code orientation and the screen having a fixed angular relationship.

[0020] 可替换地,根据另一个实施方案,所述验证码分配装置以彩信、WAP推送方式向所述移动终端发送所述二维码,其中所述二维码为图片形式。 [0020] Alternatively, according to another embodiment, the dispensing device authentication code MMS, WAP Push send the two-dimensional code to the mobile terminal, wherein the image is a two-dimensional code form.

[0021] 如果在预定时间内二维码读码装置未能读取到二维码,或者所述二维码验证未通过,则所述交易终端终止与所述交易卡的所述交易。 [0021] If the two-dimensional code reading apparatus can not be read within a predetermined time to the two-dimensional code or two-dimensional code verification fails, then the transaction terminal terminates the transaction with the transaction card. 如果所述二维码验证通过,所述交易终端还请求密码以继续进行所述交易。 If verification by the two-dimensional code, said transaction terminal further requests a password to proceed with the transaction. 所述二维码还可以包括时效信息,并且在预定时间内失效。 The two-dimensional code may further include a limitation information, and the failure within a predetermined time. 这可以提高系统的实时安全性。 This can improve the real security of the system.

[0022] 本发明在进行交易卡处理时,增加了向与交易卡预先关联的移动终端发送用于验证的二维码并且验证该二维码的操作,从而增加了一道安全防护关卡。 [0022] During processing a transaction card of the present invention, the mobile terminal increases the operation associated with the previously transmitted transaction card verification for verification of the two-dimensional code and two-dimensional code, thereby increasing a security checkpoint. 在本发明的交易系统中,想要顺利进行交易,用户不但需要拥有交易卡和可选的交易密码,还需要拥有原始指定的与该交易卡相关联的移动终端。 In the trading system of the present invention, we want a smooth transaction, you not only need to have a trading card and optional transaction password, but also need to have the original specified mobile terminal and the transaction card associated with it. 这样,即使交易卡失窃,交易密码也同时被盗取,盗取者也因为无法获得交易卡所关联的移动终端而无法盗用交易卡。 Thus, even if the transaction card theft, transaction password also be stolen, were also stolen because they can not get a mobile terminal associated with trading cards and trading card can not be stolen. 因此,本发明可以有效地提高现有交易系统的安全性。 Accordingly, the present invention can effectively improve the security of the existing trading systems.

附图说明 BRIEF DESCRIPTION

[0023] 在以下详细的描述中,将参照通过图示方式显示可以在其中实施本发明的实施方案的附图。 [0023] In the following detailed description, reference will be displayed by way of illustration embodiments in the accompanying drawings wherein embodiments of the present invention. 这些实施方案以足够详细的方式被描述,以使本领域的技术人员能够实施本发明。 These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. 应当可以理解,本发明的各种实施方案尽管不同,但并不必互相排斥。 It should be understood that various embodiments of the invention, although different, are not necessarily mutually exclusive. 例如,结合一个实施方案一起描述的特定的特征、结构或者特性可以在其他的实施方案中实现,而不会背离本发明的精神和范围。 For example, in connection with one embodiment described in connection with a particular feature, structure, or characteristic may be implemented within other embodiments without departing from the spirit and scope of the invention. 另外,应当可以理解,在每个所公开的实施方案中单个部件的位置和排列可以被修改,而不会背离本发明的精神和范围。 Further, it should be understood that the location or arrangement of individual components may be modified in each of the embodiments disclosed embodiment without departing from the spirit and scope of the invention. 因此,以下的详细描述不应作为限制性的,并且仅仅以所附的权利要求书来定义本发明的范围,与赋予权利要求书的整个等同物范围一起来恰当地解释本发明的范围。 Thus, as the following detailed description is not limiting, and only in the appended claims to define the scope of the invention, the entire scope of equivalents to impart claims appropriately interpreted, a scope of the invention.

[0024] 图1描绘现有技术中ATM机处理银行卡业务的处理流程; [0024] Figure 1 depicts a process flow of the prior art, an ATM bank card processing operations;

[0025] 图2图示具有提升安全性的交易处理系统; [0025] Figure 2 illustrates the transaction processing system having a security enhancements;

[0026] 图3根据本发明的一个实施方案图示具有提升安全性的ATM机(自动柜员机)交易处理系统; [0026] FIG. 3 illustrates the transaction processing system having a security enhancements ATM machine (ATM) in accordance with one embodiment of the present invention;

[0027] 图4根据本发明的另一个实施方案图示具有提升安全性的门禁管理系统处理流程; [0027] Figure 4 illustrates a lifting security access control system in accordance with another embodiment of the process flow of the present invention;

[0028] 图5是可结合本发明的提升安全性的交易卡处理系统一起使用的二维阵列字符码的数种实施例;以及 [0028] FIG. 5 is an embodiment of several embodiments of the present invention may be incorporated to enhance the security of the transaction card processing system for use with a two-dimensional array of character codes; and

[0029] 图6根据本发明的再一个实施方案图示使用二维阵列字符码的POS终端(销售点终端)交易系统处理流程。 [0029] FIG. 6 according to another embodiment of the present invention illustrating the use of a two-dimensional array of character codes POS terminal (point of sale) system, the transaction processing flow of FIG.

具体实施方式 Detailed ways

[0030] 在以下描述中,出于解释的目的,阐述了大量具体的细节,以提供对本发明的完整理解。 [0030] In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the present invention. 然而,本领域的技术人员将清楚,没有这些具体的细节也可以实现本发明。 However, those skilled in the art will be apparent without these specific details of the invention may be practiced. 此外,公知的结构和设备是以框图的形式示出的。 Furthermore, well-known structures and in block diagram form the apparatus illustrated. 发明性概念的任意多种变体都落入本发明的范围和精神内。 Any number of variants of the inventive concept are within the scope and spirit of the invention. 在这方面,所示出的特定示例性实施方案不是用来限制本发明,而仅仅是用来图示说明它。 In this regard, the particular exemplary embodiment illustrated embodiment is not intended to limit the invention, but merely to illustrate it. 因此,本发明的范围不是由所提供的具体实施例来确定,而仅仅是由所附权利要求书的表述来限定。 Accordingly, the scope of the present invention is not to be determined by the specific examples provided, but only defined by the appended claims expressed book requirements.

[0031] 首先参照图2,图2图示具有提升安全性的交易处理系统200。 [0031] Referring first to FIG. 2, FIG. 2 illustrates the transaction processing system having a 200 improve security. 如图所示,提升安全性的交易卡处理系统200包括交易终端210,所述交易终端210能够与交易卡220进行交 As shown in FIG, enhance the security of the transaction card transaction processing system 200 includes terminal 210, the transaction terminal 210 to post 220 and the transaction card

易ο Yi ο

[0032] 使用在这里,交易卡220可以包括,但不限于,信用卡、贷记卡、储蓄卡、现金卡、储值式交易卡、俱乐部会员卡、物业管理卡、保险卡、加油卡、购电卡、购气卡、门禁卡、IC卡、证券卡等等或其任何组合。 [0032] As used herein, the transaction card 220 may include, but are not limited to, credit cards, credit cards, debit cards, cash cards, stored-value style trading cards, club membership cards, property management cards, insurance cards, fuel cards, purchase electrical card purchase gas cards, access cards, IC cards, security cards and the like, or any combination thereof.

[0033] 使用在这里,交易终端210可以包括,但不限于,ATM机、POS机、门禁终端、银行服务柜台终端、银行个人保险柜业务终端、证券交易终端、证券服务柜台终端、保险理赔服务终端、加油机、商业机构支付终端。 [0033] As used herein, the transaction terminal 210 may include, but are not limited to, ATM machines, POS, access control terminal, the terminal counter banking services, personal banking safe service terminal, Terminal securities trading, securities services counter terminal, insurance claims service terminal, tanker, payment terminals businesses.

[0034] 使用在这里,交易可以包括,但不限于,ATM机上所有存款、支取、转账、支付等操作,使用POS机所进行的充值或扣值消费操作,各种会员卡的增加或抵扣信用点操作,各种用户卡(例如证券卡、物业卡)的使用操作,门禁管理中允许通行操作,各种诸如购电、购气卡的功能卡或IC卡的充值或扣值操作,或者更改帐户密码、查询账户信息、注销账户的操 [0034] As used herein, the transaction may include, but are not limited to, all the deposit ATM machine, withdraw, transfer, payment and other operations, the use of prepaid or debit value consumer operations carried out by POS machines, increase the variety of membership cards or credit credits operation, a variety of user cards (e.g., security cards, property cards) using the operation, management of access allows passage to operate, such as various commercially available electricity, gas card purchase function card or IC card or debit prepaid value of the operation, or change the account password, check account information, account cancellation operation

作,等等。 For, and so on.

[0035] 交易卡220中可以包括有其拥有者的ID信息。 [0035] transaction card 220 may include ID information of its owner. 例如,如本领域技术人员所熟知的, 交易卡220例如可以包括记录信息的磁条,从而交易终端210可以读取该磁条中的所述信息,获知与该交易卡相关联的用户账户的相关信息,例如用户的账户号、账户名称、账户余额等等。 For example, as those skilled in the art, for example, the transaction card 220 may include a magnetic stripe information is recorded, so that a transaction terminal 210 may read the information in the magnetic stripe, known with the user account associated with the transaction card related information, such as the user's account number, account name, account balance, and so on. 交易终端210可以基于所读取的这些信息进行交易,这在本发明中不受限制。 Transaction terminal 210 can be traded based on the information read, which is not limited in the present invention. 另外,交易卡220与移动终端240相互关联。 Further, the transaction card 220 associated with the mobile terminal 240 to each other. 例如,交易卡220和移动终端240具有同一拥有者,或者,交易卡220的拥有者可以指定任何移动终端240作为与交易卡220相关联的移动终端。 For example, the transaction card 220 and the mobile terminal 240 with the same owner, or owner of the transaction card 220 may specify any mobile terminal 240 as a mobile terminal associated with the transaction card 220. 当然,虽然在附图中仅仅示出交易卡220与一个移动终端240相关联,但是本领域技术人员应该理解,交易卡220可以与多个移动终端240相关联,或者一个移动终端240也可以与多张交易卡220相关联,本发明在此方面不受限制。 Of course, although only shown in the drawings the transaction card 220 and a mobile terminal 240 is associated, those skilled in the art will appreciate, the transaction card 220 may be associated with a plurality of mobile terminals 240, or 240 may be a mobile terminal with a plurality of transaction card 220 are associated, the present invention is not limited in this respect.

[0036] 特别地,该交易卡处理系统200包括验证码分配装置230。 [0036] In particular, the transaction card processing system 200 includes a dispensing apparatus 230 codes. 所述验证码分配装置230与所述交易终端210相耦合,并且能够基于请求向与所述交易卡220相关联的移动终端240发送用于验证的二维码。 The verification code assignment means 210 is coupled with the transaction terminal 230, and can transmit the two-dimensional code to the mobile terminal for verification of the transaction card 220 240 based on a request associated. 具体来说,所述验证码分配装置230可以从交易终端210获取其所读取的交易卡拥有者信息,基于交易卡与移动终端的相互关联关系来向相应移动终端发送验证码。 Specifically, the authentication code dispensing device 230 may obtain 210 the transaction card user information which it has read from the transaction terminal to transmit the verification code to the mobile terminal corresponding to the transaction card based on mutual association with the mobile terminal.

[0037] 使用在这里,验证码分配装置可以为服务器,该服务器与交易终端210可以通过因特网、内网、射频、蓝牙、RS-232等等各种方式相互耦合,从而能够获取来自交易终端210 的请求与信息。 [0037] As used herein, the verification code may be a dispensing device server, the server may be coupled to each other with a transaction terminal 210 in various ways the Internet, intranet, radio frequency, Bluetooth, RS-232, etc., it is possible to obtain from the transaction terminal 210 and request information. 该服务器还可以具有编码能力,从而能够基于设定的规则和验证算法生成用于验证的二维码。 The server may also have the ability to encode, thereby generating a two-dimensional code rules for verification and authentication algorithms based on the set. 另外,该服务器可以访问公网,以便直接或间接地向移动终端240发送生成的二维码。 In addition, the server may access the public network, so as to transmit the generated two-dimensional code 240, directly or indirectly, to the mobile terminal. 本领域技术人员可以理解,一台作为验证码分配装置的服务器可以为一台或者多台交易终端服务,本发明在此方面不受限制。 Those skilled in the art will appreciate, as a verification code dispensing device may be a server or a plurality of service transaction terminal, the present invention is not limited in this respect. 可替换地,验证码分配装置可以为具有编码和通信能力的模块,该模块集成于交易终端内,并且仅仅为该交易终端服务。 Alternatively, the verification code may be a module having a dispensing apparatus encoding and communication capabilities, the module is integrated in the transaction terminal, and only for the service transaction terminal.

[0038] 验证码分配装置230可以基于交易终端210的请求发送用于验证的二维码。 [0038] codes dispensing device 230 may transmit a two-dimensional code based on a request for authentication of the transaction terminal 210. 例如, 当交易卡220插入交易终端210并且请求与所述交易终端210进行交易时,所述交易终端读取所述交易卡220中的标识信息。 For example, when the transaction card 220 is inserted into the transaction terminal 210 and requests for transactions with the transaction terminal 210, the transaction terminal reads the identification information of the transaction card 220. 随后交易终端210基于所述标识信息检索与交易卡相关联的移动终端的号码,并且请求验证码分配装置向所检索出的该移动终端号码发送验证码。 Then the transaction terminal number of the mobile terminal 210 based on the identification information retrieved and the transaction card is associated, and requests the distribution apparatus transmits a verification code to the mobile terminal codes the retrieved number. 或者,交易终端210将读取的标识信息传输到验证码分配装置,并且所述验证码分配装置基于从所述交易终端获取的所述标识信息检索该相关联的移动终端号码,以便向该相关联的移动终端发送所述二维码。 Alternatively, the identification information of transaction terminal 210 is transmitted to the read codes dispensing device and the dispensing apparatus based on the acquired authentication code from said transaction terminal identification information of the mobile terminal retrieves the number associated to the correlation to the mobile terminal transmits the associated two-dimensional code. 在这样的实施方案中,验证码分配装置230在交易卡请求与交易终端进行交易时发送验证码,可以对交易进行实时的安全控制,极大地提高系统安全防护的实时性。 In such an embodiment, authentication of the sender 230 transaction validation request and the transaction card transaction terminal apparatus codes code allocation can be performed in real-time control of the secure transaction, greatly improving safety of the system in real time.

[0039] 可替换地,在其他实施方案中,验证码分配装置230可以基于移动终端240的请求而发送验证二维码。 [0039] Alternatively, in other embodiments, the verification means 230 may be based on code allocation request the mobile terminal 240 transmits the two-dimensional code verification. 例如,移动终端240可以通过WAP访问、因特网访问、发送短信或者语音通信方式向验证码分配装置230请求发送验证码。 For example, the mobile terminal 240 can access the WAP, Internet access, send a text message or a voice communication device 230 requests allocation of codes to send a verification code. 此时,交易卡220可能已经请求与交易终端210进行交易,也可能还未曾请求进行交易,本发明在此方面不受限制。 At this time, the transaction card 220 may have requested that the transactions terminal 210 may also request the transaction have not yet, the present invention is not limited in this respect. 在移动终端240请求发送验证码的实施方案中,用户可以在其方便的时间主动请求获取验证码而无需在交易时花费时间等待,若获取验证码操作失败也可以及时地请求重新获取验证码,从而能给便利用户的操作,节约交易时的等待时间,适合于交易时人多的应用。 In the mobile terminal 240 requests verification embodiments codes, the user may actively request at its convenience time acquisition codes without at the transaction time spent waiting, when the acquired authentication operation failed may be timely requesting reacquisition codes, in order to give a user-friendly operation, to save waiting time of the transaction, the transaction is suitable for people of applications. 此外,验证码分配装置230基于移动终端的请求发送验证码的实施方案还提供额外的益处,即,用户可以选择在进行诸如查询或者小额交易时不进行验证码的验证,而在进行大笔交易、更改密码、 账户注销等比较重要的操作时选用验证码验证,从而按需提供必要的安全性。 In addition, the dispensing device 230 transmits authentication code based on a request of a mobile terminal authentication code further embodiments provide additional benefits, i.e., the user can choose not to verification is performed as verification codes queries or small transactions, while making substantial transactions, change your password, account cancellation and other important operating selection verification code validation, and thus demand to provide the necessary security.

[0040] 使用在这里,移动终端240可以包括,但不限于,移动电话、个人数字助理、掌上计算机、具有通信功能的便携式游戏机。 [0040] As used herein, the mobile terminal 240 may include, but are not limited to, mobile telephones, personal digital assistant, a palmtop computer, a portable game machine having a communication function.

[0041] 当然,本领域技术人员将理解,可以以上所列举的仅仅是用于验证的二维码发放的示例性触发条件。 [0041] Of course, those skilled in the art will appreciate that the above recited conditions are exemplary only trigger for the two-dimensional code verification issued. 本领域技术人员可以应用其他任何适当的方式,并且这些方式均落入本发明的范围。 Those skilled in the art may apply any other suitable manner, and these methods fall within the scope of the present invention. 另外,验证码分配装置230可以采取多种触发方式的组合,本发明在此方面并不受限制。 Further, codes dispensing device 230 may take a variety of combinations of the trigger, the present invention is not limited in this respect.

[0042] 验证码分配装置230可以通过各种已知或者今后开发的信息传输方式向移动终端240发送用于验证的二维码。 [0042] The two-dimensional code codes dispensing device 230 may be sent for authentication by various known or later developed information transmission to the mobile terminal 240. 例如,所述验证码分配装置230可以以彩信、WAP推送方式向所述移动终端240发送所述二维码,其中所述二维码为图片形式。 For example, the dispensing device 230 may be authentication code as MMS, WAP Push send the two-dimensional code to the mobile terminal 240, wherein the image is a two-dimensional code form. 可替换地,所述验证码分配装置230还可以以短信方式向所述移动终端发送所述二维码,其中所述二维码为二维字符阵列码,这将在下面参照图4更详细地进行阐述。 Alternatively, the verification code allocation means 230 may also transmit the two-dimensional code in a text message to the mobile terminal, wherein said two-dimensional code is a two-dimensional array of characters code, which will be described below with reference to FIG 4 in more detail It is set forth.

[0043] 在验证码分配装置230发送所述用于验证的二维码后,所述移动终端240将接收所述二维码,并在可以在屏幕上显示所述二维码。 After [0043] 230 two-dimensional code means for transmitting the authentication codes allocated, the mobile terminal receives the two-dimensional code 240, and the two-dimensional code may be displayed on a screen. 该交易系统还包括与所述交易终端210 耦合的二维码读码装置250。 The transaction system further includes a transaction terminal coupled to the two-dimensional code reading means 210 250. 所述二维码读码装置250可以从所述移动终端的所述屏幕上识读并解码所述二维码,以供所述交易终端210验证所述二维码,从而确定是否允许与所述交易卡220的交易。 The two-dimensional code reading device 250 can be reading from the screen of the mobile terminal and decoding said two-dimensional code, the transaction terminal 210 for verifying the two-dimensional code, and to determine whether to allow the said transaction card transactions 220. 二维码读码装置250可以以本领域中已知或者今后开发的方式读取和解码二维码,本发明在此方面不受限制。 Two-dimensional code reading means 250 may read and decode a two-dimensional codes known in the art or later developed embodiment, the present invention is not limited in this respect. 所述二维码读码装置可以集成在所述交易终端中,或者可以与所述交易终端外置连接。 The two-dimensional code reading means may be integrated in the transaction terminal, or may be externally connected to the transaction terminal.

[0044] 交易终端使用解码后的验证码进行验证的操作是本领域技术人员所熟知的,在此将不再赘述,以免不必要地模糊本发明。 [0044] After the transaction terminal using the decoded operation codes to verify the skilled person in the art, it will be omitted here so as not to unnecessarily obscure the present invention. 各种验证及加密解密方法均可用于本发明的系统, 以根据安全性需求和应用条件进行选择。 Various authentication and encryption and decryption method of the present invention can be used in the system, selected according to the security requirements and application conditions.

[0045] 如果基于所述用于验证的二维码的验证通过,则所述交易终端210可以同意与交 [0045] If the two-dimensional code based on the verification by the verification for, then the transaction terminal 210 can agree with the post

9易卡210的交易。 9 Easy card transactions 210. 此后,可以进行各种上文所述的各种交易操作。 Thereafter, operation of various transactions may be made as described above. 或者,所述交易终端还可以请求密码以继续进行所述交易。 Alternatively, the transaction terminal can also request a password to proceed with the transaction. 本发明的系统还可以结合其他现有的身份校验操作以进一步提高系统安全性。 The system of the present invention may also incorporate other conventional identity verification operations to further improve the system security.

[0046] 如果在预定时间内二维码读码装置250未能读取到二维码,或者所述二维码验证未通过(如验证码错误,验证码过期等等),则所述交易终端210终止与所述交易卡220的所述交易。 [0046] If the two-dimensional code reading means 250 can not be read two-dimensional code, or by the two-dimensional code is not verified (e.g., error codes, expired codes, etc.) within a predetermined time, the transaction terminal 210 terminates the transaction with the transaction card 220.

[0047] 此外,本发明的交易系统还可以额外地包括一可选的验证码输入装置260,用于输入与所述验证二维码相对应的验证码。 [0047] In addition, the transaction system of the present invention may also additionally comprise an optional verification code input means 260 for inputting the two-dimensional code corresponding to the verification codes. 在这种情况下,验证码分配装置除了发送验证二维码外,还可以发送数字验证码,而用户可以在验证码输入装置260上输入所接收到的数字验证码。 In this case, the dispensing device codes in addition to sending two-dimensional code verification, can also transmit the digital codes, and the user can verify the digital input code input device 260 received codes. 额外附加的验证码输入装置260及数字验证码可以提高本发明交易系统的适用性,使得各种移动终端均可适用。 Additional additional verification code input device 260 and may improve the applicability of the digital codes of the transaction system of the present invention, various mobile terminals that can be applied. 所述额外附加的验证码输入装置260可以是专用或和交易终端共享的小键盘。 Additional verification of the additional code input device 260 may be a dedicated or shared and the transaction terminal keypad.

[0048] 在本发明的交易系统中,想要顺利进行交易,用户不但需要拥有交易卡和可选的交易密码,还需要拥有原始指定的与该交易卡相关联的移动终端。 [0048] In the present invention, the transaction system, the transaction to be successfully performed, the user only needs to have the transaction card transactions and optional password is also required in the original with the specified mobile terminal associated with the transaction card. 这样,即使交易卡失窃, 交易密码也同时被盗取,盗取者也因为无法获得交易卡所关联的移动终端而无法盗用交易卡。 Thus, even if the transaction card theft, transaction password also be stolen, were also stolen because they can not get a mobile terminal associated with trading cards and trading card can not be stolen. 因此,本发明可以有效地提高现有交易系统的安全性。 Accordingly, the present invention can effectively improve the security of the existing trading systems.

[0049] 下面将参照图3和图4描述本发明的两种具体应用方案。 [0049] will be 3 and two specific applications of the present invention described in FIG 4.

[0050] 参照图3,图3根据本发明的一个实施方案图示具有提升安全性的ATM机交易处理系统300。 [0050] Referring to FIG 3, FIG. 3 with an ATM transaction processing system to enhance security of embodiment 300 in accordance with one embodiment of the present invention is illustrated. 如图所示,ATM机交易处理系统300包括ATM机310。 As shown, ATM machines transaction processing system 300 comprises an ATM 310. 用户370可以将银行卡320插入ATM机310,以请求进行取款、存款、转账等各种操作。 370 user card 320 can be inserted into the ATM 310 to request various operations withdrawals, deposits, transfers and the like. ATM机310可以读取该银行卡320上磁条中的信息,从而获知与用户的账户号、账户名称、账户余额。 ATM machine 310 can read the card information on the magnetic stripe 320, so that the user know the account number, account name, account balance.

[0051] 另外,ATM机交易处理系统300包括与银行卡320相互关联的移动电话340。 [0051] Further, ATM machines transaction processing system 300 includes a mobile phone 320 associated with each bank card 340. 该银行卡320和移动电话340的相互关联是用户370预先指定的。 The interrelated card 320 and the mobile phone 340 user 370 is designated in advance. 因此,当银行卡320插入ATM 机310并且请求与所述ATM机310进行交易时,所述交易终端可以通过读取所述银行卡320 磁条中的标识信息来获取银行卡320和移动电话340的关联关系。 Thus, when a bank card into the ATM 310 and 320 requesting the ATM 310 transaction, the transaction terminal 320 can acquire the card and identification information of the mobile phone 340 by reading the magnetic stripe card 320 association.

[0052] 在获取了相关联移动电话340的号码之后,验证码分配装置330可以基于ATM机310的请求发送用于验证的二维码。 [0052] After obtaining the associated mobile phone number 340, two-dimensional code verification means 330 may be based on code allocation request transmitted ATM 310 for authentication. 具体来说,ATM机向验证码分配装置330发送请求信息331,其中,在该请求信息331的一个字段中包括该移动电话340的号码。 In particular, ATM 331 sends a request message to an authentication code assignment device 330, which includes the mobile phone number in a field 340 of the request message 331. 验证码分配装置330接收到该请求331之后,从请求331中提取移动电话340的号码,并且即时生成用于验证的二维码332。 After verification code assignment means 330 receives the request 331, extracts the mobile telephone number 340 from the request 331, and instantly generate two-dimensional code 332 for verification. 该二维码332可以包括表示交易时间、交易对象、安全代码的各种信息,本发明在此方面不受限制。 The two-dimensional code 332 may include data representing transactions, the transaction object, various information security codes, the present invention is not limited in this respect. 在生成二维码332后,验证码分配装置330可以通过彩信将图片形式的二维码332发送到前面所提取的移动电话340号码。 After generating the two-dimensional code 332, the dispensing device 330 codes image in the form of two-dimensional code 332 may be sent via MMS to a mobile phone number 340 previously extracted. 另外,验证码分配装置330可以同时向移动电话340发送一串数字333,该数字串即为该二维码中有效信息的数字编码。 Further, codes dispensing device 330 can send 333 a series of numbers to the mobile phone 340, which is the digit string in the two-dimensional code is valid digitally encoded information.

[0053] 从验证码分配装置330接收到所述二维码后,用户370在所述移动电话340的屏幕上显示所述二维码,并且将移动电话340靠近与所述ATM机310耦合的二维码读码装置350。 [0053] codes from the dispensing device 330 after receiving the two-dimensional code, the two-dimensional code 370 displays the user on the screen 340 of the mobile phone and the mobile phone 340 close coupled to the ATM machine 310 two-dimensional code reading device 350. 所述二维码读码装置350以光学方式从所述移动终端的所述屏幕上识读该二维码332,并且并解码所述二维码。 The two-dimensional code reading apparatus 350 optically reading the two-dimensional code is on the screen 332 from the mobile terminal, and the two-dimensional code and decoding. 随后,从该二维码332解码所得的信息被传输到ATM机310。 Subsequently, the transmission of information obtained by decoding the two-dimensional code 332 from 310 to the ATM machine.

[0054] 此外,该系统300还包括验证码输入装置360。 [0054] In addition, the system 300 further comprises a verification code input device 360. 取代于或者附加于将移动电话340 上显示的二维验证码供二维码读码装置350读取外,用户370可以在输入装置360上输入所接收到的验证数字串333。 Unsubstituted or in addition to the two-dimensional codes of the mobile phone 340 for display on the two-dimensional code reading apparatus 350 reading, the user 370 may input device 360 ​​inputs the received authentication number string 333. 这样,当移动终端340由于网络、设备类型等各种原因而无法接收到用于验证的二维码,或者二维码读码装置350由于硬件问题而无法读取出二维码332时,ATM机仍旧可以依赖于用户370输入的验证数字串333进行验证。 Thus, when the mobile terminal 340 for various reasons the network and device type two-dimensional code can not be received for authentication, or the two-dimensional code reading device 350 due to hardware problems can not be read out when the two-dimensional code 332, ATM machine can still rely on the verification of digital input string 333 to verify 370 user.

[0055] 如果所述验证二维码和/或验证数字串的验证通过,则所述ATM机310可以在其显示屏上显示密码请求框,要求用户370输入银行卡320的密码。 [0055] If the two-dimensional code verification the verification and / or validation by the numeric string, the ATM 310 may display the password request box 370 requires the user to enter the password the bank card 320 on its display screen. 如果用户输入正确的密码,则ATM机310允许用户进行其希望的交易。 If the user enters the correct password, the ATM machine 310 allows the user to their desired transaction. 如果在预定时间内二维码读码装置350未能读取到二维码,用户也未能输入验证数字串,或者所述二维码或验证数字串未通过验证(如用于验证的二维码/验证数字串错误,验证二维码/验证数字串过期等等),则所述ATM 机310终止与所述银行卡320的所述交易,退出银行卡320。 If the two-dimensional code reading device 350 to read two-dimensional code failed within the predetermined time, the user fails to enter a numeric string, or a two-dimensional code or the string of digits is not validated authentication (e.g., for verification of two dimensional code / serial number validation errors, two-dimensional code verification / validation numeric string expired, etc.), then the ATM machine 310 terminates the transaction with the bank card 320, the card exit 320.

[0056] 图4根据本发明的另一个实施方案图示具有提升安全性的门禁管理系统处理流程400。 [0056] FIG. 4 in accordance with another embodiment of the present invention shown with enhanced security access control system 400 process flow. 首先,在401,用户期望通过门禁管理系统,则使用其预先所登记的移动电话发送验证请求。 First, at 401, through the user desires access control system, which then sends a verification request to use a pre-registered mobile phone. 验证码分配装置接收到请求后,生成用于验证的二维码(402),并且向该移动电话发送该二维码(403)。 After verification code assignment means receives the request, it generates a two-dimensional code (402) for authentication, and transmits the two-dimensional code (403) to the mobile phone. 当用户到达受该门禁管理系统管理的门禁处时,他可以将与其移动电话相关联的门禁卡提供给门禁管理终端(404)。 When the user arrives at the access control by the access control management system, he may be moved to its access control card provides access terminal associated with the telephone (404). 门禁管理终端识别门禁卡中的信息,确定其可以打开该门禁,则向用户要求验证码(405)。 Access terminal identification information management access card, which can be opened to determine the access, the verification code to the user requirements (405). 在406,请求用户将该移动终端上显示的二维码显示给二维码读取装置。 At 406, the user requests the two-dimensional code displayed on the mobile terminal display to a two-dimensional code reading device. 二维码读取装置读取并且解码该二维码,并且将解码的信息传给门禁管理终端(407)。 Two-dimensional code reading means reads and decodes the two-dimensional code, and the decoded information passed to the access control terminal (407). 门禁管理终端判断该解码信息是否为有效(408),若有效,则打开门禁,允许用户通行(409);若无效,或者在一定时间后用户未能提供验证码(410),则该门禁管理终端禁止该用户通行(411)。 Access management terminal determines whether the decode information is valid (408), if valid, the open access, allowing the user to pass (409); if not valid, or the user fails to provide a verification code (410) after a certain time, then the access management the user terminal prohibit passage (411).

[0057] 以图片形式来传播二维码需要占用比较多的通信资源,而对于消费者来说即意味着比较长的通信耗时以及比较高的通信费用。 [0057] in picture form two-dimensional codes need to spread take up more communication resources, and for consumers, which means a longer communication time-consuming and relatively high communication costs. 而且图片传播形式对于接收设备(如手机) 以及通信网络也有限制,很多用户的手机可能无法接收和发送二维码图片(例如通过彩信方式),或者由于通信网络的原因而导致二维码图片丢失,这两者均导致基于目前传播方式的二维码应用的到达率偏低。 And that the images have limited the spread of the form of the receiving device (e.g., mobile phone) and a communication network, many mobile phone users may not be able to receive and send the two-dimensional code image (e.g., by MMS), or due to a communication network resulting two-dimensional code image is lost , both of which lead to the arrival rate of two-dimensional code based on the application of the current mode of transmission is low. 为了避免彩信发送、WAP推送的方式费用高昂且到达率不高的问题,本发明的系统还可以采用二维字符阵列码。 To avoid MMS, WAP push mode the high cost and the arrival rate is not high, the system of the present invention is also a two-dimensional array of characters codes may be employed. 所述二维字符阵列码包括:排列为二维阵列的多个编码字符,其中,每个所述编码字符对应于表示信息的比特组,以及定位机构, 所述定位机构定位所述编码字符排列的所述二维阵列的大小和/或方向,其中,每个所述编码字符属于多个字符组之一,每个所述字符组中的字符具有相同或相近的特征,并且属于同一字符组的字符映射到相同的比特组,并且其中所述二维字符阵列码的所述阵列的取向与所述屏幕具有固定的角度关系。 The two-dimensional code character array comprising: a plurality of encoded characters arranged in a two-dimensional array, wherein each of said coded bit group representing character corresponds to the information, and the positioning mechanism, the positioning mechanism positioning the character coding arrangement magnitude and / or direction of the two-dimensional array, wherein each of the code characters belonging to one of a plurality of character groups, each character group of characters having the same or similar characteristics, and belong to the same character set characters mapped to the same bit group, and wherein the array of the two-dimensional array of characters code orientation and the screen having a fixed angular relationship.

[0058] 图5是可结合本发明的提升安全性的交易卡处理系统一起使用的二维阵列字符码的数种实施例501-509。 [0058] FIG. 5 is an embodiment of several embodiments of the present invention may be incorporated to enhance the security of the transaction card processing system for use with a two-dimensional array of character codes 501-509. 二维字符阵列码包括多个编码字符(如图5中所图示的字符“A”、“B”、“C”等等),所述编码字符排列为二维阵列。 A two-dimensional array of characters comprises a plurality of coded character code (character as illustrated in FIG. 5 "A", "B", "C", etc.), the code characters are arranged in a two-dimensional array. 二维字符阵列码中的每个编码字符可以对应于所要表示信息的比特组。 A two-dimensional array of characters each coded character code may be represented by the bit corresponding to the group information. 从而,将二维字符阵列码中的编码字符分别映射到其所对应的比特组,即可以根据编码规则还原出该二维字符阵列码所要表达的信息。 Thus, the two-dimensional array of characters coded character codes are mapped to the bit group corresponding to it, which can restore the information to be expressed in the two-dimensional array of characters according to a coding rule code.

[0059] 所述阵列可以为矩形(图5中的二维字符阵列码501)、菱形(图5中的二维字符阵列码502)、三角形(图5中的二维字符阵列码503)、圆形(图5中的二维字符阵列码504)、 梯形(图5中的二维字符阵列码505)或其组合(未示出)。 [0059] The array may be a rectangular shape (two-dimensional array of characters code 501 in FIG. 5), diamond (character two-dimensional array code 502 in FIG. 5), triangular (FIG. 5 in a two-dimensional array of characters code 503), circular (two-dimensional array of character code 504 of FIG. 5), trapezoidal (two-dimensional array of character code 505 of FIG. 5), or a combination thereof (not shown). 该阵列可以是4x4、4x5、5x5等各种大小,本发明在此方面不受限制。 The array may be 4x4,4x5,5x5 other sizes, the present invention is not limited in this respect. [0060] 所述编码字符可以是GB2312国标码、ASCII码、数字与英文字母、全角英文字母、 汉字、半角字符或这些字符的组合。 [0060] The code characters may be GB2312 GB code, ASCII code combinations, numbers and letters, full-width English letters, Chinese characters, the half-size character or characters.

[0061] 所述二维字符阵列码中还具有定位机构,从而在以光学方式识读所述二维字符阵列码时,所述定位机构可以有助于光学识读装置快速地定位所述编码字符排列的二维阵列的大小和/或方向,由此便利二维字符阵列码中编码字符的识读。 [0061] The two-dimensional code character array further includes a positioning means, thereby optically reading the two-dimensional array of characters code, the positioning mechanism may contribute to optical reading means to quickly locate the encoded magnitude and / or direction of two-dimensional array of characters are arranged, thereby facilitating the reading coded character two-dimensional array code characters. 特别地,当本发明的二维字符阵列码是通过短信传输并且在手机屏幕上供识读时,所述定位机构还有助于从短信文本中分割出二维字符阵列码区域。 In particular, when the two-dimensional array of characters according to the present invention is a short code transmitted by the mobile phone and the screen for reading the positioning mechanism further contributes to the divided two-dimensional array of characters in the text message from the code area.

[0062] 根据本发明的一个优选实施方案,所述定位机构可以包括至少一个定位字符,所述定位字符为不同于所述编码字符的字符。 [0062] According to a preferred embodiment of the invention, the positioning mechanism may comprise at least one positioning character, the character position is different from the character code characters. 例如,所述定位字符可以为选自GB2312中的“★”、“〇”、“·” “◎” “◊” “♦”、“□”、“■”、“Δ”、“▲”或“=”字符,或是半角的“#”、“+”、 “=”,等等。 For example, the positioning of characters may be selected in GB2312 "★", "billion", "·" "◎" "◊" "♦", "□", "■", "Δ", "▲" or "=" character, or the half-width "#", "+", "=", and so on. 由于所选用的定位字符的几何特征明显区别于其他编码字符,所以可以使用一些简单的搜索算法就能从全图中快速确定它们的位置,无需借助复杂的OCR技术。 Because geometric features of the selected character position significantly different from the other encoded characters, it is possible to use some simple search algorithm can determine their positions from FIG full quickly, without resorting to complex OCR technology. 定位字符的数量可以是一个或两个,或更多个,本领域技术人员可以根据需要确定其数量,并且本发明在此方面不受限制。 Location number of characters may be one or two, or more, one skilled in the art can determine the amount needed, and the present invention is not limited in this respect. 对于从短信中识读二维字符阵列码来说,一般如果在阵列码的周边存在空白以将阵列码与其他文字隔离开的话是有益的;然而,当定位符数量超过两个时, 可以使二维字符阵列码外部空白区可以不受限制。 For reading characters from a two-dimensional array code is a text message, typically if there is a blank in a peripheral array to an array code with code words of other text isolated it is advantageous; however, when the number of more than two locators, can a two-dimensional array of characters outside the blank area code may not be limited. 如对有三个定位符的矩形码(如矩形阵列码507),码上下左右任何方向可以紧接其他文字,定位仍能正常进行。 As for the three rectangular locator code (such as a rectangular array code 507), the code around the vertical direction may be in any other text immediately, still positioned normally.

[0063] 如图5中二维字符阵列码501-509所示出的,在本发明的一些示例性实施方案中, 定位字符可以排列在所述二维阵列内,并且与编码字符所构成的二维阵列具有某种位置关系,例如在二维阵列的中心(如二维字符阵列码502、503等),在二维阵列的右上角和右下角(如二维字符阵列码501)。 [0063] FIG. 5, a two-dimensional array of characters shown codes 501-509, in some exemplary embodiments of the present invention, the positioning of characters may be arranged in the two-dimensional array, with the coded character and constituted a two-dimensional array having a certain positional relationship, for example, in the center of a two-dimensional array (two-dimensional array of character codes 502, 503, etc.), in the upper right and lower right two-dimensional array (two-dimensional array of characters code 501). 在本发明的替代实施方案中,所述定位字符还可以排列在所述二维阵列之外(如二维字符阵列码506所示),并且同样与所述编码字符的所述二维阵列具有某种位置关系。 In an alternative embodiment of the invention, the positioning of characters can also be arranged (two-dimensional array of characters shown in code 506), and also having a two-dimensional array of the code characters outside of the two-dimensional array The position that relationship. 根据本发明的优选实施方案,所述定位字符与二维阵列的关系是固定的并且这种固定关系为识读装置所已知,从而识读装置可以立刻找到所述定位字符并确定所述编码字符排列的二维阵列的大小和/或方向,这可以进一步提高本发明的二维字符阵列码的识读速度和便利性。 According to a preferred embodiment of the present invention, the positional relationship and the character two-dimensional array is fixed and this fixed relationship is known as reading means, reading means could be found so that the locating and determining the encoded character immediately magnitude and / or direction of two-dimensional array of characters are arranged, which may further increase the speed and convenience of reading a two-dimensional array of characters of the code of the present invention.

[0064] 另外,根据本发明的一些实施方案,二维字符阵列码的形状特征也可以作为定位机构或辅助定位机构。 [0064] Further, in accordance with some embodiments of the present invention, wherein the shape of the two-dimensional array of characters codes may also be used as auxiliary positioning means or positioning means. 特别是对于阵列为非矩形的二维字符阵列码,可以通过识别二维阵列的形状特征来定位该二维字符阵列码,此时可以省却定位符(如二维字符阵列码508)。 Especially for a non-rectangular two-dimensional array array of character codes, the two-dimensional character can be located by the shape feature recognition code array of two-dimensional array, this time can be dispensed locator (character two-dimensional array code 508). 本申请的申请人还发现,当从电子屏幕识读其上所显示的二维字符阵列码时,可以充分利用电子屏幕与二维字符阵列码的关系来定位二维码,一种优选的方式是可以利用电子屏幕的至少一条边。 Applicant has also found that the present application, when the two-dimensional array of characters from the electronic code reader which displayed screen, the screen can take advantage of the relationship between the two-dimensional array of characters electronic code to locate the two-dimensional code, a preferred embodiment is the use of electronic screen at least one side.

[0065] 以图1中码509为例,该码有两个定位符,分别位于码内部右上角和右下角,当定位算法搜索到这对定位字符后,可以在这对定位符中心点连线的左侧搜索与之平行的直线,如果找到这样的直线,则将该直线为屏幕左边界,从而确定码区域为这两条平行线、穿过右上角定位符上侧和右下角定位符下侧的垂直于这两条线的直线所围成的区域,参见图7。 [0065] In the code 509 in FIG. 1 as an example, the two locator code, which are located inside the top right and bottom right code, when it is positioned to the rear positioning algorithm searches for characters, which can be connected in the center point locator pairs left of the search line parallel to a straight line, if such a straight line is found, the left edge of the screen straight line, so the two parallel lines to determine, through the upper right corner on the locator side and the bottom right region code locator a straight line perpendicular to the lower of the two lines of the area surrounded, see Fig.

[0066] 根据本发明的优选实施方案,定位机构可以包括定位符、阵列形状、屏幕边线及其任何组合。 [0066] According to a preferred embodiment of the invention, the positioning mechanism may include a locator, array shape, and any combination of the screen edges. 优选地,对矩形阵列码(参见二维字符阵列码501),右上角和右上角的两个特殊字符构成的定位机构,连同设备屏幕左边界线,就可以快速完成对阵列码定位。 Preferably, a rectangular array of code (see the two-dimensional array of characters code 501), the positioning mechanism and two top right corner of the upper right corner of the special characters constituting, together with the left boundary line of the screen devices, can be quickly positioned on the array code. 对三角形阵列码(参见二维字符阵列码504),一个定位符,连同设备屏幕做边界线,就可以快速确定阵列码大小和方位。 A triangular array of code (see the two-dimensional array of characters code 504), a locator device in conjunction with the boundary line of the screen to do, can quickly determine the size and orientation of the array code. 对圆形和菱形阵列(参见二维字符阵列码502、503),仅用一个置于阵列码中心或阵列码内部的定位符连同阵列码周围空白区就可以快速定位阵列码。 And diamond circular array (see a two-dimensional array of character codes 502, 503), only one array code is placed inside the center of the array code or locator together with a blank area around the array code can quickly locate the code array. 当然,本领域技术人员能够理解,这些仅仅是本发明二维字符阵列码及其定位机构和定位方法的示意性实施例,而并非对本发明的限制。 Of course, those skilled in the art will appreciate that these are merely two-dimensional array of characters according to the present invention and its exemplary embodiments codes positioning means and positioning method, and not to limit the present invention.

[0067] 二维字符阵列码中排列为二维阵列的多个编码字符可以是等高的,并且在所述二维阵列的行方向上相邻的编码字符具有相等的中心距离。 [0067] arranged in a two-dimensional character into a plurality of code characters may be high two-dimensional array of array code, and adjacent in the row direction of the two-dimensional array of encoded characters having the same focus distance. 更优选地,所述编码字符可以为等宽字符,并且相邻的编码字符在所述二维阵列的列方向上具有相等的中心距离。 More preferably, the characters may be encoded character width, and the adjacent code characters have equal center distances in the column direction of the two-dimensional array. 再更优选地,所述编码字符为全角字符,例如为选自GB2312中的全角英文字母或数字(例如图5 中的二维字符阵列码509)。 Even more preferably, the full-size character is a character encoding, for example, selected full-width alphanumeric characters (e.g., FIG. 5 a two-dimensional array of characters in Code 509) GB2312 in. 选用GB2312中的英文字母或数字作为编码字符的好处是:这些字符是全角字符,对绝大多数设备中的字体而言,这些字符等宽等高,从而使得码形状更规则;另外,这些全角字符的几何形状随字体变化的程度很小,而且尺寸和字间距通常比半角字符大。 Selection of letters or numbers as benefits in GB2312 code characters: these characters are full-width characters, font of most devices, these high-width characters, so that a more regular shape code; In addition, these full-width degree geometry characters with the font change is small, and the size and character spacing typically larger than half-width characters. 这些特征使得以全角英文字母或数字作为编码字符更容易被识读。 These characteristics make full angle as alphanumeric characters coded character more easily readable.

[0068] 本领域技术人员可以理解,行列方向相邻字符间距可以为任何大于0的值。 [0068] Those skilled in the art will appreciate, the character spacing of adjacent row and column directions can be any value greater than zero. 根据一些实施方案,行列方向相邻编码字符的间距大致大于或等于1/16字符宽度有利于二维字符阵列码的识读。 According to some embodiments, the pitch of adjacent coded character row and column directions substantially equal to or greater than 1/16 of the width of the character two-dimensional array of characters facilitate reading of the code. 根据本发明的另一些实施方案,行列方向相邻编码字符的间距大致大于或等于1/8字符宽度。 According to other embodiments of the present invention, the pitch of adjacent coded character row and column directions substantially equal to or greater than 1/8 the width of the characters. 当然,在不同的拍摄条件和识读条件下,其限值会因噪声、字体、背景等干扰有所不同,可以选择比此更大或者更小的值,本发明在此方面不受限制。 Of course, in different shooting conditions and reading conditions which limit due to noise, font, different background interference, may be selected smaller or larger than this value, the present invention is not limited in this respect.

[0069] 从上面的描述可以看到,二维字符阵列码以排列为二维阵列的字符组成,从而取代了现有的二维码中以“黑” “白”图块所实现的比特表征方法,使得可以通过普通短信来传输二维码。 [0069] can be seen from the above description, a two-dimensional array of characters are arranged in a two-dimensional code array of characters, characterized thereby replacing the existing two-dimensional code bits to "black", "white" tile achieved method, such that two-dimensional code may be transmitted through a normal text message. 因此,本发明的二维字符阵列码尤其适应于无线传输以及在诸如手机屏幕的电子屏幕上进行显示和识读。 Thus, a two-dimensional array of characters according to the present invention is particularly adapted to code for wireless transmission and for reading and displaying on the screen of the phone, such as an electronic screen.

[0070] 图6根据本发明的再一个实施方案图示使用上面的二维阵列字符码的POS终端交易系统处理流程600。 POS terminal transaction system [0070] FIG. 6 is a further embodiment of the present invention using the above two-dimensional array of character code scheme illustrates a process flow 600. 首先,在601,提供能够和POS终端进行交易的交易卡。 First, in 601, it provides a trading card transactions and POS terminals. 当所述交易卡请求与所述POS终端的交易(602)时,所述POS终端读取所述交易卡中的标识信息(603)。 When the transaction request to the transaction card of the POS terminal (602), the POS terminal reads the identification information (603) of the transaction card. 接着,在604,所述POS终端请求验证码分配装置发送验证二维码。 Next, at 604, the POS terminal device transmits requested verification codes allocated two-dimensional code. 所述验证码分配装置生成用于验证的二维字符阵列码(605),并且基于从所述POS终端获取的所述标识信息以短信方式向与所述标识信息相关联的移动终端发送所述二维字符阵列码(606)。 The two-dimensional array of characters authentication code (605) generates an authentication code allocation means, and based on said acquired from the POS terminal sends the identification information to the identification information associated with the text message to the mobile terminal a two-dimensional array of character codes (606). 所述移动终端接收并在屏幕上显示所述二维字符阵列码(607),并且所述POS终端上集成的二维码读码装置从所述移动终端的所述屏幕上识读并解码所述二维码(608)。 The mobile terminal receives and displays on a screen the character two-dimensional array code (607), and the POS terminal integrated two-dimensional code reading means reading from the screen of the mobile terminal and decoding said two-dimensional code (608). POS终端判断该解码信息是否为有效(609),若有效,则请求密码(610),以进行后续操作(611)。 The POS terminal determines whether the decode information is valid (609), if valid, requesting a password (610) for subsequent operation (611). 若无效,则退出交易操作(612)。 If invalid, then quit trading operations (612).

[0071] 上面所描述的过程可以作为被执行的指令集存储在存储器中。 [0071] The processes described above may be executed as a set of instructions stored in the memory. 此外,用来执行上述过程的指令能够可替换地存储在其他形式的介质上。 Further, the instructions for performing the above process can be an alternative to other forms of media are stored. 此外,所述指令可以以已编译和已链接版本的形式从数据网络上下载到终端中。 Further, the instructions may be downloaded to the compiled and linked version of the form from the data network to the terminal.

[0072] 虽然这里使用了流程图和/或状态图来描述各种实施方案,但是本发明并不限制在这些图或在本文中相应的描述中。 [0072] Although the use of the flowchart and / or state diagrams to describe various embodiments, the invention is not limited or described herein, the corresponding figures. 例如,流程不需要经过每一个图示的框或状态或者严格地按照这里所图示或描述的顺序进行。 For example, flow need not move through each illustrated box or state, or strictly in the order illustrated or described herein.

13[0073] 本发明并不局限于这里所列举的具体细节。 13 [0073] The present invention is not limited to the specific details recited herein. 本领域得益于这篇公开文件的技术人员将会理解,在本发明的范围内可以根据以上描述和附图做出很多其他改变。 Benefit of this disclosure those skilled in the art will appreciate that many other changes may be made within the scope of the present invention, the foregoing description and accompanying drawings. 因此,所附的包括了对其所作的任何修改的权利要求书定义本发明的范围。 Accordingly, the appended claimed in any of its modifications include the scope of the claims made by the definition of the present invention. 此处采用的术语和表达是用作描述性的术语而不是限制性的,而且,在应用这些术语和表达时并没有要排除示出或描述特征的任何等同特征的意图。 The terms and expressions employed herein are used as terms of description rather than limitation, and, upon application of such terms and expressions is not intended to exclude any equivalents of the features shown or described. 因此,虽然已结合具体的实施例描述了本发明的实施方案,但是本发明的实施方案的真实精神不应当受限于此,因为本领域的技术人员在研究了附图、说明书和所附权利要求书后将会清楚其他的修改方案。 Thus, although specific embodiments have been described in conjunction with embodiments of the present invention, the true spirit of the embodiments of the present invention should not be limited thereto, as those skilled in the art in the study of the drawings, the specification and the appended claims It will be clear after the claims of other modifications.

Claims (25)

  1. 一种提升安全性的交易卡处理系统,包括:交易卡;交易终端,所述交易终端能够与所述交易卡进行交易;验证码分配装置,所述验证码分配装置与所述交易终端相耦合,并且在被请求时发送用于验证的二维码;移动终端,所述移动终端与所述交易卡相关联,所述移动终端接收并在屏幕上显示所述二维码;以及与所述交易终端耦合的二维码读码装置,所述二维码读码装置从所述移动终端的所述屏幕上识读并解码所述二维码,以供所述交易终端验证所述二维码,从而确定是否允许与所述交易卡的交易。 A poppet security card transaction processing system, comprising: a transaction card; transaction terminal, the transaction terminal to trade with said transaction card; codes dispensing means, said dispensing means and verification code coupled to the transaction terminal , and transmits the two-dimensional code for authentication when requested; mobile terminal, the mobile terminal associated with the transaction card, the mobile terminal receives and displays the two-dimensional code on a screen; and the transaction terminal coupled to the two-dimensional code reading apparatus, two-dimensional code reading apparatus reading and decoding the two-dimensional code from the screen of the mobile terminal to the transaction terminal for validating the two-dimensional code to determine whether to allow the transaction to the transaction card.
  2. 2.如权利要求1所述的交易卡处理系统,其中所述验证码分配装置基于所述移动终端的请求向所述移动终端发送所述二维码。 Card transaction processing system as claimed in claim 1, wherein said dispensing means for transmitting said authentication code two-dimensional code to the mobile terminal based on a request of the mobile terminal.
  3. 3.如权利要求1所述的交易卡处理系统,其中所述验证码基于所述交易终端的请求向所述移动终端发送所述二维码。 Card transaction processing system according to claim 1, wherein said two-dimensional code to send the verification code to the mobile terminal based on a request of the transaction terminal.
  4. 4.如权利要求3所述的交易卡处理系统,其中,当所述交易卡请求与所述交易终端的交易时,所述交易终端读取所述交易卡中的标识信息,并且所述验证码分配装置基于从所述交易终端获取的所述标识信息向与所述标识信息相关联的移动终端发送所述二维码。 4. The transaction card processing system according to claim 3, and the verification request, wherein, when the request for transactions with the transaction card transaction terminal, the transaction terminal reads the identification information of the transaction card, dispensing means for transmitting the code to the two-dimensional code with the identification information associated with the mobile terminal based on the identification information acquired from the transaction terminal.
  5. 5.如权利要求1所述的交易卡处理系统,还包括验证码输入装置,用于输入与所述二维码相对应的验证码。 5. The transaction card processing system according to claim 1, further comprising a verification code input means for inputting the two-dimensional code corresponding to the codes.
  6. 6.如权利要求1所述的交易卡处理系统,其中所述二维码读码装置集成在所述交易终端中,或者与所述交易终端外置连接。 6. The transaction card processing system according to claim 1, wherein said two-dimensional code reading means integrated in the transaction terminal, or external connection to the transaction terminal.
  7. 7.如权利要求1所述的交易卡处理系统,其中所述验证码分配装置以短信方式向所述移动终端发送所述二维码,其中所述二维码为二维字符阵列码。 7. The transaction card processing system according to claim 1, wherein said dispensing means for transmitting said authentication code two-dimensional code in a text message to the mobile terminal, wherein said two-dimensional code is a two-dimensional array of character codes.
  8. 8.如权利要求7所述的交易卡处理系统,其中所述二维字符阵列码包括:排列为二维阵列的多个编码字符,其中,每个所述编码字符对应于表示信息的比特组,以及定位机构, 所述定位机构定位所述编码字符排列的所述二维阵列的大小和/或方向,其中,每个所述编码字符属于多个字符组之一,每个所述字符组中的字符具有相同或相近的特征,并且属于同一字符组的字符映射到相同的比特组,并且其中所述二维字符阵列码的所述阵列的取向与所述屏幕具有固定的角度关系。 8. The transaction card processing system according to claim 7, wherein said two-dimensional code character array comprising: a plurality of encoded characters arranged in a two-dimensional array, wherein each of the code characters corresponding to the information representing bit group , and the size of the two-dimensional array, positioning the positioning mechanism, the positioning mechanism arranged in coded characters and / or orientation, wherein each of the code characters belonging to one of a plurality of character groups, each character group the characters with the same or similar characteristics, and the same group of characters belonging to a character mapped to the same bit group, and wherein said two-dimensional array of characters of the code array alignment with said screen having a fixed angular relationship.
  9. 9.如权利要求1所述的交易卡处理系统,其中所述验证码分配装置以彩信、WAP推送方式向所述移动终端发送所述二维码,其中所述二维码为图片形式。 9. The transaction card processing system according to claim 1, wherein said dispensing device authentication code MMS, WAP Push send the two-dimensional code to the mobile terminal, wherein the image is a two-dimensional code form.
  10. 10.如权利要求1所述的交易卡处理系统,其中所述交易卡中的所述标识信息包括所述交易卡拥有人的身份信息,并且所述移动终端是所述拥有人预先指定的。 10. The transaction card processing system according to claim 1, wherein the identification information of the transaction card comprises a transaction card owner identity information, and the owner of the mobile terminal is designated in advance.
  11. 11.如权利要求1所述的交易卡处理系统,其中如果在预定时间内二维码读码装置未能读取到二维码,或者所述二维码验证未通过,则所述交易终端终止与所述交易卡的所述交易。 11. The transaction card processing system according to one of the transaction terminal as claimed in claim, wherein if the two-dimensional code reading means within a predetermined time code can not be read two-dimensional code, the two-dimensional code or the authentication fails, the transaction is terminated with the trade card.
  12. 12.如权利要求1所述的交易卡处理系统,其中如果所述二维码验证通过,所述交易终端还请求密码以继续进行所述交易。 12. The transaction card processing system according to claim 1, wherein if the two-dimensional code is verified, the transaction terminal further requests a password to proceed with the transaction.
  13. 13.如权利要求1所述的交易卡处理系统,其中所述交易卡包括信用卡、贷记卡、储蓄卡、现金卡、储值式交易卡、俱乐部会员卡、物业管理卡、保险卡、加油卡、购电卡、购气卡、门禁卡、IC卡、证券卡或其组合。 13. The transaction card processing system according to claim 1, wherein the transaction card including credit cards, credit cards, debit cards, cash cards, stored-value style trading cards, club membership cards, property management card, insurance card, refueling cards, purchase cards, purchase gas cards, access cards, IC cards, security cards, or combinations thereof.
  14. 14.如权利要求1所述的交易卡处理系统,其中所述交易终端包括ATM机、POS机、门禁终端、银行服务柜台终端、银行个人保险柜业务终端、证券交易终端、证券服务柜台终端、保险理赔服务终端、加油机、商业机构支付终端。 14. The transaction card processing system according to claim 1, wherein said transaction terminal comprises an ATM, POS, access terminal, a banking service counter terminal, a personal bank safe service terminal, the transaction terminal securities, securities service counter terminal, Insurance claims service terminals, tankers, payment terminals businesses.
  15. 15.如权利要求1所述的交易卡处理系统,其中所述移动终端包括移动电话、个人数字助理、掌上计算机、具有通信功能的便携式游戏机。 15. The transaction card processing system according to claim 1, wherein the mobile terminal includes a mobile phone, a personal digital assistant, a palmtop computer, a portable game machine having a communication function.
  16. 16. 一种提升安全性的交易卡处理方法,包括:提供能够和交易终端进行交易的交易卡;向与所述交易终端耦合的验证码分配装置请求用于验证的二维码;所述验证码分配装置向与所述交易卡相关联的移动终端发送所述二维码;所述移动终端接收并在屏幕上显示所述二维码;与所述交易终端耦合的二维码读码装置从所述移动终端的所述屏幕上识读并解码所述二维码;以及所述交易终端验证所述二维码,从而确定是否允许与所述交易卡的交易。 16. A transaction card to enhance security processing method, comprising: providing a transaction card transactions can be performed and the transaction terminal; request for verifying the two-dimensional code verification code allocation means coupled to the transaction terminal; said verification dispensing means for transmitting the code to the two-dimensional code with the transaction card associated with the mobile terminal; and the mobile terminal receives the two-dimensional code displayed on the screen; transaction terminal coupled to the two-dimensional code reading apparatus reading from the screen of the mobile terminal and decodes the two-dimensional code; and the transaction terminal to verify the two-dimensional code, thereby determining whether to allow the transaction to the transaction card.
  17. 17.如权利要求16所述的交易卡处理方法,其中向与所述交易终端耦合的验证码分配装置请求用于验证的二维码的操作包括所述移动终端请求所述验证码分配装置向所述移动终端发送所述二维码。 17. The operation of the two-dimensional code card transaction processing method according to claim 16, wherein the verification code allocation means coupled to said transaction terminal comprises a request for verification of the mobile terminal requests to the authentication code allocation means the mobile terminal sends the two-dimensional code.
  18. 18.如权利要求16所述的交易卡处理方法,其中向与所述交易终端耦合的验证码分配装置请求用于验证的二维码的操作包括所述交易终端请求所述验证码分配装置向所述移动终端发送所述二维码。 18. The operation of the two-dimensional code card transaction processing method according to claim 16, wherein the verification code allocation means coupled to said transaction terminal comprises a request for a transaction terminal authentication request to the authentication code allocation means the mobile terminal sends the two-dimensional code.
  19. 19.如权利要求18所述的交易卡处理方法,其中,所述验证码分配装置向所述移动终端发送所述二维码的操作包括:当所述交易卡请求与所述交易终端的交易时,所述交易终端读取所述交易卡中的标识信息,并且所述验证码分配装置基于从所述交易终端获取的所述标识信息向与所述标识信息相关联的移动终端发送所述二维码。 19. The transaction card processing method according to claim 18, wherein said dispensing means for transmitting said authentication code two-dimensional code to the mobile terminal comprising: a transaction card when the transaction request to the transaction terminal when the transaction terminal reads the identification information of the transaction card, and the authentication code to said dispensing means for transmitting identification information associated with the mobile terminal based on the identification information acquired from the transaction terminal QR code.
  20. 20.如权利要求16所述的交易卡处理方法,其中所述验证码分配装置以短信方式向所述移动终端发送所述二维码,所述二维码为二维字符阵列码。 20. The transaction card processing method according to claim 16, wherein said dispensing means for transmitting said authentication code to a two-dimensional code in a text message to the mobile terminal, the two-dimensional code is a two-dimensional array of character codes.
  21. 21.如权利要求22所述的交易卡处理方法,其中所述二维字符阵列码包括:排列为二维阵列的多个编码字符,其中,每个所述编码字符对应于表示信息的比特组,以及定位机构,所述定位机构定位所述编码字符排列的所述二维阵列的大小和/或方向,其中,每个所述编码字符属于多个字符组之一,每个所述字符组中的字符具有相同或相近的特征,并且属于同一字符组的字符映射到相同的比特组,并且其中所述二维字符阵列码的所述阵列的取向与所述屏幕具有固定的角度关系。 21. The transaction card processing method according to claim 22, wherein said two-dimensional code character array comprising: a plurality of encoded characters arranged in a two-dimensional array, wherein each of the code characters corresponding to the information representing bit group , and the size of the two-dimensional array, positioning the positioning mechanism, the positioning mechanism arranged in coded characters and / or orientation, wherein each of the code characters belonging to one of a plurality of character groups, each character group the characters with the same or similar characteristics, and the same group of characters belonging to a character mapped to the same bit group, and wherein said two-dimensional array of characters of the code array alignment with said screen having a fixed angular relationship.
  22. 22.如权利要求16所述的交易卡处理系统,其中所述验证码分配装置以彩信、WAP推送方式向所述移动终端发送所述二维码,其中所述二维码为图片形式。 22. The transaction card processing system according to claim 16, wherein said dispensing means for transmitting said authentication code to the two-dimensional code MMS, WAP Push mode to the mobile terminal, wherein the image is a two-dimensional code form.
  23. 23.如权利要求16所述的交易卡处理方法,其中如果在预定时间内二维码读码装置未能读取到二维码,或者所述二维码验证未通过,则所述交易终端终止与所述交易卡的所述交易。 23. The transaction card processing method according to claim 16, wherein if the two-dimensional code reading means within a predetermined time code can not be read two-dimensional code, the two-dimensional code or the authentication fails, then the transaction terminal the transaction is terminated with the trade card.
  24. 24.如权利要求16所述的交易卡处理方法,其中如果所述二维码验证通过,所述交易终端还请求密码以继续进行所述交易。 24. The transaction card processing method according to claim 16, wherein if the two-dimensional code is verified, the transaction terminal further requests a password to proceed with the transaction.
  25. 25.如权利要求16所述的交易卡处理方法,其中所述二维码包括时效信息,并且在预定时间内失效。 Transaction card 25. The processing method according to claim 16, wherein said aging comprises a two-dimensional code information, and the failure within a predetermined time.
CN2009100843410A 2009-05-21 2009-05-21 Trading card processing system and method for improving safety CN101894424A (en)

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