CN102592377B - Method for realizing finance card terminal by Bluetooth mobile phone - Google Patents
Method for realizing finance card terminal by Bluetooth mobile phone Download PDFInfo
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- CN102592377B CN102592377B CN201210049102.3A CN201210049102A CN102592377B CN 102592377 B CN102592377 B CN 102592377B CN 201210049102 A CN201210049102 A CN 201210049102A CN 102592377 B CN102592377 B CN 102592377B
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Abstract
The invention relates to a method for realizing a finance card terminal by a Bluetooth mobile phone. The method comprises the step of providing a mobile phone with a Bluetooth function and the finance card terminal. The method is characterized in that communication data between the finance card terminal and the mobile phone is simulated into an audio signal, data communication between the mobile phone and the finance card terminal is realized through a Bluetooth protocol, and data interaction with a bank system is completed by using the communication function of the mobile phone and the data received from the finance card terminal. The invention can realize finance services such as transaction, transfer, inquiry and payment are carried out by using various finance cards and non-finance cards.
Description
Technical field
The present invention relates to financial transaction technical field, a kind of method that particularly finance card terminal by Bluetooth mobile phone is realized.
Background technology
At present, individual on the market uses the equipment such as internet payment terminal, Ukey to exist not support card the problem such as maybe cannot be convenient for carrying, and every fiscard terminal all will arrange and the unit of bank correspondence, the employing cable network that existing terminal has is realized and being communicated by letter with banking system, the employing wireless mode having is communicated by letter with banking system, and this makes fiscard terminal increase the cost of communicating circuit undoubtedly.This product can pass through Bluetooth protocol, supports the mobile phones of bluetooth earphone functions to be connected, and realize the e-trade function that uses fiscard with great majority on the market.
The technical terms occurring in the present invention is explained as follows: (1) bluetooth earphone: bluetooth is important symbols that it and WLAN distinguish to the support of voice, bluetooth telephone control standard is an employing Bit-Oriented Protocol of Q.931 advising based on ITU-T, he has defined for bluetooth equipment and has set up voice and data call control signal and process mobility management process (2) PIN of bluetooth TCS equipment: personal identification code Personal Identification Number, it is personal identification number, it is the data message of identifying holder's identity legitimacy in online or offline transaction, in cyber-net system, any link does not allow PIN expressly to occur.
Summary of the invention
The object of this invention is to provide a kind of method that finance card terminal by Bluetooth mobile phone is realized, realize mobile phone pairing fiscard terminal and complete and the information interaction of banking system.
The present invention adopts following scheme to realize: a kind of method that finance card terminal by Bluetooth mobile phone is realized, comprise mobile phone and a fiscard terminal with Bluetooth function is provided, it is characterized in that: the communication data between described fiscard terminal and mobile phone is modeled to sound signal, realize the data communication of mobile phone and fiscard terminal room by Bluetooth protocol, utilize the communication function of described mobile phone and the data and the banking system that receive from fiscard terminal complete data interaction.
In an embodiment of the present invention, described communication data simulation is by the mode of simulation bluetooth earphone and mobile communication, utilize the left and right acoustic channels in bluetooth earphone to realize mobile phone to fiscard terminal downlink data, utilize the microphone channel of bluetooth earphone to realize fiscard terminal to mobile phone uploading data.
In an embodiment of the present invention, described sound signal is modeled to UART, IIC or SPI serial communication protocol.
In an embodiment of the present invention, described fiscard terminal does not possess directly and the function of banking system information interaction, and it is by information being sent to described mobile phone, realizes with banking system mutual by mobile phone.
In an embodiment of the present invention, described fiscard terminal comprises encryption processing module and is connected with this encryption processing module card reading module, PIN load module and LCD MODULE.
In an embodiment of the present invention, described fiscard terminal can read and meet ISO7811,7816,14443 magnetic card, Contact Type Ic Card and non-contact IC card, and design meets bank card inspection center related specifications, the card information obtaining and PIN communication are given described mobile phone by this fiscard terminal.
In an embodiment of the present invention, described card information and PIN information exchange are crossed after the built-in encrypting module encryption of described fiscard, then convert sound signal to, are transferred to described mobile phone by Bluetooth protocol.
In an embodiment of the present invention, described mobile phone by Bluetooth protocol to fiscard terminal transmits information; The sound signal that this fiscard terminal can be decoded and transmit by bluetooth earphone microphone channel, and identify the instruction that mobile phone sends.
In an embodiment of the present invention, described mobile phone is provided with net purchase payment application.
According to above-mentioned, compared with prior art, the present invention has the following advantages in the present invention: mobile phone that 1, can any support bluetooth earphone function matches use; 2, can read the various ISO7811 of meeting, ISO7816, the card of ISO14443; 3, can realize PIN input function; 4, high safety, card information and PIN information are first by terminal encryption, and Bluetooth communication itself possesses the feature of frequency hopping, security is strong compared with other communication modes.Meet the testing requirement of bank card inspection center; 5, this terminal is modeled to bluetooth earphone in the time matching with mobile phone, and the mobile phone of any platform can be developed very easily for the quoting of this terminal, and Bu Shou mobile phone producer checks and approves restriction; 6. as long as once pairing need not connect when use again, customer experience is better.
Accompanying drawing explanation
Fig. 1 is the framework schematic diagram one of the embodiment of the present invention.
Fig. 2 is the principle of work schematic flow sheet of another embodiment of the present invention.
Fig. 3 is packing data structural representation of the present invention.
Fig. 4 is F2F modulation waveform schematic diagram.
Fig. 5 is F2F demodulation waveforms schematic diagram.
Embodiment
Below in conjunction with drawings and Examples, the present invention will be further described.
A kind of method that the present embodiment provides finance card terminal by Bluetooth mobile phone to realize, comprise mobile phone and a fiscard terminal with Bluetooth function is provided, communication data between described fiscard terminal and mobile phone is modeled to sound signal, realize the data communication of mobile phone and fiscard terminal room by Bluetooth protocol, data and the banking system of utilizing the communication function of described mobile phone and receive from fiscard terminal complete data interaction, fiscard terminal of the present invention can be connecting communication network or there is no a connecting communication network, described sound signal is modeled to UART, IIC or SPI serial communication protocol.Specifically, method of the present invention receives the data of fiscard terminal by mobile phone, utilize the communication function realization of mobile phone to dock with banking system, and completing user is in the function of fiscard terminal bankcard consumption.
Please refer to Fig. 1, card reading module, PIN load module and LCD MODULE that the terminal of fiscard described in the present embodiment comprises encryption processing module and is connected with this encryption processing module.From circuit structure, this fiscard terminal does not possess directly and the function of banking system information interaction, and it is by information being sent to described mobile phone, realizes with banking system mutual by mobile phone.According to the difference of card reading module, this fiscard terminal can not only read and meet ISO7811,7816,14443 magnetic card, Contact Type Ic Card and non-contact IC card, and design meets bank card inspection center related specifications; Visible, the card information obtaining and PIN communication are given described mobile phone by this fiscard terminal, completes mutual with banking system by mobile phone, solved card swiping terminal and carried and connect inconvenient problem, and better saved the cost of card swiping terminal.In addition,, for the safety of guarantee information, described card information and PIN information are after encrypting by described encrypting module, then convert sound signal to, are transferred to described mobile phone by Bluetooth protocol.
Preferably, in an embodiment of the present invention, described communication data simulation is by the mode of simulation bluetooth earphone and mobile communication, utilize the left and right acoustic channels in bluetooth earphone to realize mobile phone to fiscard terminal downlink data, utilize the microphone channel of bluetooth earphone to realize fiscard terminal to mobile phone uploading data.Be described mobile phone by Bluetooth protocol to fiscard terminal transmits information; The sound signal that this fiscard terminal can be decoded and transmit by bluetooth earphone microphone channel, and identify the instruction that mobile phone sends.
It is worth mentioning that, the present invention completes mutual with banking system information because mobile phone has substituted financial card-reading terminal, and therefore, we can arrange net purchase payment application on mobile phone, by mobile phone, can realize real-time online and pay.
In order to allow those skilled in the art better understand the present invention, below in conjunction with the process flow diagram of an embodiment, the present invention will be further described, refer to Fig. 2, mobile phone and terminal are set up pairing, mobile phone terminal starts payment application, then application program of mobile phone sends transaction request packet to terminal, and this packet is modulated into F2F audio format and passes to terminal through bluetooth earphone L or R passage; The F2F sound signal of receiving is demodulated to packet by terminal; User swipes the card, inputs password, terminal is obtained financial card information and encrypted message, and be encrypted, terminal is by after enciphered data packing, packet is become to F2F signal by digital signal modulated, finally F2F signal is converted to after sound signal and pass to mobile phone by the MIC passage of simulation bluetooth earphone, mobile phone by after signal demodulation through 2G/3G link transmission to bank server, bank server carries out verification after receiving receipt, and reply data bag is fed back to mobile phone.
In the present embodiment, above-mentioned encryption adopts 3DES algorithm for encryption.Terminal is all by bluetooth earphone channel transfer (identical with common bluetooth earphone call form) by audio format with the communication between main frame.Refer to Fig. 3, Fig. 3 is packing data structural representation, and totally 11 of standard bytes of this packet, comprising: even parity bit+1,1 start bit (0)+8 data bit+1 position of rest.
F2F (frequency/double frequency) modulating wave as shown in Figure 4, according to F2F figure, represents that 0 data are F, and two zero crossing times are 2t; Represent that 1 data are 2F, 2 zero crossing times are t, can recur 2 times.
F2F demodulation: use bit coded system to carry out modulation /demodulation to transmission data, twice zero crossing is that 2t reads interval time is that 0, twice zero crossing time was t, and recurring twice, to read be 1 as shown in Figure 5.
The foregoing is only preferred embodiment of the present invention, all equalizations of doing according to the present patent application the scope of the claims change and modify, and all should belong to covering scope of the present invention.
Claims (5)
1. the method that finance card terminal by Bluetooth mobile phone is realized, comprise mobile phone and a fiscard terminal with Bluetooth function is provided, it is characterized in that: the communication data between described fiscard terminal and mobile phone is modeled to sound signal, realize the data communication of mobile phone and fiscard terminal room by Bluetooth protocol, utilize the communication function of described mobile phone and the data and the banking system that receive from fiscard terminal complete data interaction; Described communication data simulation is by the mode of simulation bluetooth earphone and mobile communication, utilizes the left and right acoustic channels in bluetooth earphone to realize mobile phone to fiscard terminal downlink data, utilizes the microphone channel of bluetooth earphone to realize fiscard terminal to mobile phone uploading data; Described fiscard terminal does not possess directly and the function of banking system information interaction, and it is by information being sent to described mobile phone, realizes with banking system mutual by mobile phone; Described fiscard terminal can read and meet ISO7811,7816,14443 magnetic card, Contact Type Ic Card and non-contact IC card, and design meets bank card inspection center related specifications, the card information obtaining and PIN communication are given described mobile phone by this fiscard terminal; Described card information and PIN information exchange are crossed after the built-in encrypting module encryption of described fiscard, then convert sound signal to, are transferred to described mobile phone by Bluetooth protocol.
2. the method that finance card terminal by Bluetooth mobile phone according to claim 1 is realized, is characterized in that: described sound signal is modeled to UART, IIC or SPI serial communication protocol.
3. the method that finance card terminal by Bluetooth mobile phone according to claim 1 is realized, is characterized in that: card reading module, PIN load module and LCD MODULE that described fiscard terminal comprises encryption processing module and is connected with this encryption processing module.
4. the method that finance card terminal by Bluetooth mobile phone according to claim 1 is realized, is characterized in that: described mobile phone by Bluetooth protocol to fiscard terminal transmits information; The sound signal that this fiscard terminal can be decoded and transmit by bluetooth earphone microphone channel, and identify the instruction that mobile phone sends.
5. the method that finance card terminal by Bluetooth mobile phone according to claim 1 is realized, is characterized in that: described mobile phone is provided with net purchase payment application.
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| CN201210049102.3A CN102592377B (en) | 2012-02-29 | 2012-02-29 | Method for realizing finance card terminal by Bluetooth mobile phone |
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| CN201210049102.3A CN102592377B (en) | 2012-02-29 | 2012-02-29 | Method for realizing finance card terminal by Bluetooth mobile phone |
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| CN102592377A CN102592377A (en) | 2012-07-18 |
| CN102592377B true CN102592377B (en) | 2014-06-11 |
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| US9344185B2 (en) | 2013-03-27 | 2016-05-17 | BBPOS Limited | System and method for secure pairing of bluetooth devices |
| CN104102995B (en) * | 2013-04-12 | 2017-12-22 | 联芯科技有限公司 | Bank card, mobile terminal, binding method and payment method based on mobile terminal |
| CN103490801B (en) * | 2013-09-30 | 2015-07-29 | 深圳市新国都技术股份有限公司 | A kind of blue tooth voice communication terminal and Bluetooth communication method |
| CN103632119B (en) * | 2013-12-20 | 2016-08-17 | 朱少昕 | The card data processing equipment of a kind of band audio standard interface and processing method thereof |
| EP3440849A1 (en) * | 2016-04-07 | 2019-02-13 | Sonova AG | Body-worn personal device with pairing control |
| CN106228710A (en) * | 2016-07-21 | 2016-12-14 | 恒宝股份有限公司 | A kind of bank card individual's accepting terminal and using method |
| CN106846001B (en) * | 2017-01-12 | 2020-10-20 | 深圳怡化电脑股份有限公司 | Self-service transaction reminding method and system, financial transaction equipment and mobile terminal |
| CN107993068B (en) * | 2017-11-30 | 2021-12-10 | 钱宝科技服务（上海）有限公司 | Online ordering and offline payment system |
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