CN102789660A - Method and device for achieving wireless financial trade by mobile communication terminal - Google Patents

Method and device for achieving wireless financial trade by mobile communication terminal Download PDF

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Publication number
CN102789660A
CN102789660A CN2011101259024A CN201110125902A CN102789660A CN 102789660 A CN102789660 A CN 102789660A CN 2011101259024 A CN2011101259024 A CN 2011101259024A CN 201110125902 A CN201110125902 A CN 201110125902A CN 102789660 A CN102789660 A CN 102789660A
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module
fiscard
financial
terminal device
mobile communication
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CN2011101259024A
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CN102789660B (en
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曾胜辉
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SHENZHEN ZHENGTONG KINGSEE TECH Co Ltd
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SHENZHEN ZHENGTONG KINGSEE TECH Co Ltd
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Abstract

The invention provides a method and a device for achieving wireless financial trade by a mobile communication terminal. The device comprises a microprogrammed control unit (MCU), a fiscard information reading and writing module electrically connected to the microprogrammed control unit, and a communication interface module. The communication interface module is used for achieving link and data transmission with the mobile communication terminal, and the mobile communication terminal loads financial trading software and finishes the financial trading function by the data from a fiscard trade terminal device. With the wireless communication ability of the mobile communication terminal, use of the financial trade terminal device is not limited by regions; the use convenience of the financial trade terminal device is improved, and the size and weight of the fiscard trade terminal device are reduced, so that the financial trade terminal device adapts to the requirement of portability; the fiscard trade terminal device is compatible to the reading and writing functions of various fiscards issued at present, and the application range of the financial trade terminal device is expanded.

Description

Realize the method and the device thereof of financial wireless transactions by mobile communication terminal
Technical field
The present invention relates to data processing method and device thereof, particularly relate to based on the finance data processing method of radio communication and realize the isolated plant of this method.
Background technology
Prior art fiscard remote transaction system comprises the special-purpose trading server that financial institution sets up; And the fiscard transaction terminal that is used for the fiscard of this financial institution distribution; The user reads the data message in the corresponding fiscard with the fiscard transaction terminal; And type of transaction is sent to said special-purpose trading server with data message in the said fiscard,, accomplishes the fiscard process of exchange through the data interaction of said special-purpose trading server and said fiscard transaction terminal.
Prior art fiscard remote transaction system also exists following defective and weak point:
Prior art fiscard transaction terminal be mostly through cable network set up with special-purpose trading server between link; The stationkeeping that causes this fiscard transaction terminal; Usually be arranged on businessman or dealer net a little; Make the fiscard transaction receive the restriction of loco, can not adapt to the demand of user fiscard transaction convenience;
2., part fiscard transaction terminal can set up wireless link through wireless network and said special-purpose trading server though being arranged; But; Because said fiscard transaction terminal volume is big, carries inconvenience, can not adapt to the demand of user to fiscard transaction terminal portability and transaction convenience;
3. prior art fiscard transaction terminal is applicable to that the fiscard type is single; For example be only applicable to the transaction terminal of financial magnetic card, only be suitable for financial integrated circuit IC-card transaction terminal, or only be suitable for the transaction terminal of financial non-contact card, polytype fiscard of compatible existing distribution simultaneously.
Summary of the invention
The technical matters that the present invention will solve is to avoid the weak point of prior art and proposes a kind ofly to realize the method for financial wireless transactions and realize the portable fiscard transaction terminal device of transaction by mobile communication terminal by mobile communication terminal; Make the fiscard transaction terminal be easy to carry; Be easy to use; Not limited by the region, can be applicable to various fiscard read-write operations.
The present invention solve the technical problem and can realize through adopting following technical scheme:
Design, a kind of portable fiscard transaction terminal device of realizing transaction by mobile communication terminal of manufacturing; Especially; Comprise microcontroller MCU; Be connected electrically in financial card information module for reading and writing, display module, data input module and communication interface modules on this microcontroller MCU, and to the power module of microcontroller MCU and each module for power supply.Said MCU is the english abbreviation of microcontroller Micro Controller Unit.Said financial card information module for reading and writing is used for fiscard is implemented read-write operation; Said communication interface modules is used to realize and the linking and data transmission of mobile communication terminal; Said mobile communication terminal loads financial transaction software, accomplishes finance trade function by the data from said fiscard transaction terminal device.
For the existing various fiscard reading and writing data functions of compatibility, said financial card information module for reading and writing comprises magnetic card module for reading and writing, integrated circuit IC-card module for reading and writing, non-contact card module for reading and writing and terminal security control module PSAM card module for reading and writing.Said IC is the english abbreviation of integrated circuit Integrated Circuit.Said PSAM is the english abbreviation of terminal security control module Point of Security Access Module.
Particularly, said magnetic card module for reading and writing comprises the magnetic information read write line, and is connected electrically in the A/D converter between this magnetic information read write line and the said microcontroller MCU.
Particularly, said non-contact card module for reading and writing comprises short-range communication NFC antenna, and is connected electrically in the short-range communication NFC process chip between this short-range communication NFC antenna and the said microcontroller MCU.Said NFC is the english abbreviation of short-range communication Near Field Communication.
For guaranteeing data security, also be provided with the data encrypting and deciphering module in the said microcontroller MCU, this data encrypting and deciphering module is electrically connected said financial card information module for reading and writing.
Said communication interface modules comprises wired communication interface modules and Wireless communication interface module.Particularly, said Wireless communication interface module comprises the bluetooth wireless communication interface module.
In order to satisfy portable requirement, said power module is to be the power module of power supply with the battery, and said battery comprises one-shot battery and secondary cell.
The present invention solve the technical problem and can realize through adopting following technical scheme:
Implement a kind of method that realizes financial wireless transactions by mobile communication terminal; Based on mobile communication terminal and portable fiscard transaction terminal device; This portable fiscard transaction terminal device comprises microcontroller MCU; Be connected electrically in financial card information module for reading and writing, display module, data input module and communication interface modules on this microcontroller MCU, and to the power module of microcontroller MCU and each module for power supply.Especially said method comprises the steps:
A., financial transaction software is installed in said mobile communication terminal;
B. set up communication linkage by the peripheral communication interface of said mobile communication terminal and the communication interface modules of said portable fiscard transaction terminal device;
The data of financial card information that C. reads by described financial card information module for reading and writing and data input module input, the microcontroller MCU of said portable fiscard transaction terminal device collects and processes financial transactions data;
D. by said mobile communication terminal; Step C data of financial transaction is sent to the server of financial institutional establishment; And accomplish the server of said financial institutional establishment and the data interaction between the portable fiscard transaction terminal device according to transaction flow, thereby accomplish process of exchange.
The microcontroller MCU processes financial transactions data of the said portable fiscard transaction terminal device of step C comprises the data encryption processing; Data interaction between the server of the said financial institutional establishment of step D and the portable fiscard transaction terminal device comprises the data encrypting and deciphering processing.
Compare with prior art, the present invention " realizes the method and the device thereof of financial wireless transactions " by mobile communication terminal technique effect is:
1. through general the realizing and the linking of said fiscard transaction terminal device of mobile communication terminal with the external device communication interface; By this fiscard transaction terminal device of cordless communication network realization of mobile communication terminal and linking of the special-purpose trading server of financial institution; The use popularization and the wireless communication ability thereof of mobile communication terminal have been made full use of; Make the use of financial transaction terminal device of the present invention not limited by the region, improved the ease of use of financial transaction terminal device;
2. by microcontroller MCU; And the financial transaction software that loads in the mobile communication terminal; Realize the fiscard process of exchange; Simplified the structure of fiscard transaction terminal device greatly, reduced the volume and weight of this fiscard transaction terminal device, made financial transaction terminal of the present invention adapt to the demand of user portability;
3. said financial card information module for reading and writing can be to more than one fiscard read-write, and the read-write capability of all kinds fiscard of compatible existing distribution has increased the scope of application and the ease of use of fiscard transaction terminal device of the present invention.
Description of drawings
Fig. 1 is the principle schematic of the present invention's preferred embodiment of " realizing the method and the device thereof of financial wireless transactions by mobile communication terminal ";
Fig. 2 is the hardware principle schematic block diagram of preferred embodiment of the present invention financial transaction card terminal apparatus.
Embodiment
Do further to detail below in conjunction with preferred embodiment shown in the accompanying drawing.
The present invention proposes a kind of portable fiscard transaction terminal device of realizing transaction by mobile communication terminal; As depicted in figs. 1 and 2; Comprise microcontroller MCU 11; Be connected electrically in financial card information module for reading and writing 12, display module 13, data input module 14 and communication interface modules 15 on this microcontroller MCU 11, and to the power module 16 of microcontroller MCU 11 and each module for power supply.Said financial card information module for reading and writing 12 is used for fiscard is implemented read-write operation; Said communication interface modules 15 is used to realize and the linking and data transmission of mobile communication terminal 20; Said mobile communication terminal 20 loads financial transaction software, accomplishes finance trade function by the data from said fiscard transaction terminal device 10.
Thereby; The present invention has proposed a kind of method that realizes financial wireless transactions by mobile communication terminal on said portable fiscard transaction terminal device 10 bases; Based on above-mentioned mobile communication terminal 20 and portable fiscard transaction terminal device 10, said method comprises the steps:
A., financial transaction software is installed in said mobile communication terminal 20;
B. set up communication linkage by the peripheral communication interface of said mobile communication terminal and the communication interface modules 15 of said portable fiscard transaction terminal device 10;
The data of financial card information that C. reads by described financial card information module for reading and writing 12 and data input module input, the microcontroller MCU 11 of said portable fiscard transaction terminal device 10 collects and processes financial transactions data;
D. by said mobile communication terminal; Step C data of financial transaction is sent to the server of financial institutional establishment; And accomplish the server of said financial institutional establishment and the data interaction between the portable fiscard transaction terminal device 10 according to transaction flow, thereby accomplish process of exchange.Among the said step D; Server and the data interaction between the portable fiscard transaction terminal device 10 of accomplishing said financial institutional establishment according to transaction flow need to carry out the transmitting-receiving of several times data according to concrete trading item; For example; Therefore the user is a kind of process of data interaction according to transaction flow needs input validation data, modification data or deleted data etc.
The present invention is through general the realizing and the linking of said fiscard transaction terminal device 10 with the external device communication interface of mobile communication terminal 20; By this fiscard transaction terminal device 10 of cordless communication network realization of mobile communication terminal 20 and linking of the special-purpose trading server 30 of financial institution; Make full use of the use popularization and the wireless communication ability thereof of mobile communication terminal, made the use of financial transaction terminal device of the present invention not limited by the region; Simultaneously; By microcontroller MCU 11; And the financial transaction software that loads in the mobile communication terminal 20, realize the fiscard process of exchange, simplified the structure of fiscard transaction terminal device 10 greatly; Reduce the volume and weight of this fiscard transaction terminal device 10, made said financial transaction terminal 10 adapt to portable demand.Therefore, above-mentioned technique effect of the present invention has satisfied the user to the financial transaction terminal device 10 portable demands that propose.It is exactly people's alleged " mobile phones " usually that said mobile communication terminal 20 is used the widest avatar; Existing mobile phone popularization degree is very high; So, as long as the user has carried financial transaction terminal 10 according to the invention and just can realize financial transaction anywhere or anytime.As stated, the present invention makes the volume and weight of financial transaction terminal 10 be fit to portable requirement, the high popularization degree of mobile communication terminal 20 in addition, thus satisfied the convenience requirement of user to financial transaction.
In order to improve the compatibility of 10 pairs of existing various fiscards of issuing of said fiscard transaction terminal device, said financial card information module for reading and writing 12 comprises magnetic card module for reading and writing 121, integrated circuit IC-card module for reading and writing 122, non-contact card module for reading and writing 123 and terminal security control module PSAM card module for reading and writing 124.Just, said financial card information module for reading and writing 12 can be read and write any one financial card information in financial magnetic card, financial IC card, financial non-contact card and the financial PSAM card.Increased the scope of application of said fiscard transaction terminal device 10.Said financial card information module for reading and writing 12 can be at least a in the above-mentioned various module for reading and writing, and as shown in Figure 2 as the preferred embodiment of the present invention, said financial card information module for reading and writing 12 has comprised above-mentioned all types of module for reading and writing.And said in force fiscard transaction terminal device 10 is according to payment card industry Payment Card Industry safety certification standard, i.e. PCI safety certification standard design software and hardware structure.
The hardware-embodied form of said magnetic card module for reading and writing 121 can be the magnetic stripe read-write chute of using always, comprises magnetic information read write line 1211, and is connected electrically in the A/D converter 1212 between this magnetic information read write line 1211 and the said microcontroller MCU 11.
The hardware-embodied form of said integrated circuit IC-card module for reading and writing 122 can be IC-card seat or the IC-card groove of using always.
The hardware-embodied form of said terminal security control module PSAM card module for reading and writing 124 can be PSAM deck or the PSAM draw-in groove of using always.
The hardware-embodied form of said non-contact card module for reading and writing 123 can be the Card Reader window of using always; Comprise short-range communication NFC antenna 1231, and be connected electrically in the short-range communication NFC process chip 1232 between this distance communication NFC antenna 1231 and the said microcontroller MCU 11.
In order to ensure data security and privacy; Also be provided with data encrypting and deciphering module 111 in the said microcontroller MCU 11; This data encrypting and deciphering module 111 is electrically connected said financial card information module for reading and writing 12, thereby makes data in transferring to mobile communication terminal, just implemented encipherment protection before.
Thereby microcontroller MCU 11 processes financial transactions data of the said portable fiscard transaction terminal device 10 of the step C in the said method comprise the data encryption processing; Data interaction between the server of the said financial institutional establishment of step D and the portable fiscard transaction terminal device 10 comprises the data encrypting and deciphering processing.As stated, in the data exchange process, need carry out data decryption when data stream gets into said fiscard transaction terminal device 10, data stream need be carried out data encryption when said fiscard transaction terminal device 10 sends.
Said communication interface modules 15 comprises wired communication interface modules and Wireless communication interface module.Said wired communication interface module is suitable for cooperating the communication pattern of mobile communication terminal data line; Consider that from present communication convenience angle Wireless communication interface module is used by preferred, especially said Wireless communication interface module adopts the bluetooth wireless communication interface module.
In order to satisfy the requirement of 10 pairs of portability of fiscard transaction terminal device, it is the power module of power supply that said power module 16 adopts battery.Said battery comprises can only disposable discharge one-shot battery that uses and the secondary cell that can repeatedly discharge and recharge.
Mobile communication terminal 20 can adopt existing very high " smart mobile phone " of popularization degree in the preferred embodiment of the present invention, and is as shown in Figure 1, comprises RF receiving and transmission module 21, data processor 22 and peripheral communication interface 23.Said data processor 22 can be the part of the host CPU CPU in the mobile phone, also can be the data processor 22 that is independent of outside the said host CPU CPU.
With the preferred equipment of smart mobile phone, realize through following process as mobile communication terminal:
1. smart mobile phone passes through download of banking platform and the installation mobile phone client software as the special-purpose trading server of financial institution;
2. through bluetooth or general mobile phone data line, smart mobile phone and fiscard transaction terminal device 10 connect;
3. the holder swipes the card on fiscard transaction terminal device 10 and carries out input, the modification of dealing money, password according to prompting;
4. the information of 10 pairs of card informations that read of fiscard transaction terminal device and holder input is carried out encryption and is delivered to the banking platform through communication interface via smart mobile phone then and verify, and the enciphered message that the banking platform returns is deciphered;
The information of holder after to deciphering confirm, modification, deletion action;
6. the fiscard transaction is accomplished.

Claims (10)

1. realize it is characterized in that the portable fiscard transaction terminal device of transaction by mobile communication terminal for one kind:
Comprise microcontroller MCU (11); Be connected electrically in financial card information module for reading and writing (12), display module (13), data input module (14) and communication interface modules (15) on this microcontroller MCU (11), and to the power module (16) of microcontroller MCU (11) and each module for power supply;
Said financial card information module for reading and writing (12) is used for fiscard is implemented read-write operation; Said communication interface modules (15) is used for realizing and the linking and data transmission of mobile communication terminal (20); Said mobile communication terminal (20) loads financial transaction software, accomplishes finance trade function by the data from said fiscard transaction terminal device (10).
2. the portable fiscard transaction terminal device by mobile communication terminal realization transaction according to claim 1 is characterized in that:
Said financial card information module for reading and writing (12) comprises magnetic card module for reading and writing (121), integrated circuit IC-card module for reading and writing (122), non-contact card module for reading and writing (123) and terminal security control module PSAM card module for reading and writing (124).
3. the portable fiscard transaction terminal device by mobile communication terminal realization transaction according to claim 2 is characterized in that:
Said magnetic card module for reading and writing (121) comprises magnetic information read write line (1211), and is connected electrically in the A/D converter (1212) between this magnetic information read write line (1211) and the said microcontroller MCU (11).
4. the portable fiscard transaction terminal device by mobile communication terminal realization transaction according to claim 2 is characterized in that:
Said non-contact card module for reading and writing (123) comprises short-range communication NFC antenna (1231), and is connected electrically in the short-range communication NFC process chip (1232) between this short-range communication NFC antenna (1231) and the said microcontroller MCU (11).
5. the portable fiscard transaction terminal device by mobile communication terminal realization transaction according to claim 1 is characterized in that:
Also be provided with data encrypting and deciphering module (111) in the said microcontroller MCU (11), this data encrypting and deciphering module (111) is electrically connected said financial card information module for reading and writing (12).
6. the portable fiscard transaction terminal device by mobile communication terminal realization transaction according to claim 1 is characterized in that:
Said communication interface modules (15) comprises wired communication interface modules and Wireless communication interface module.
7. the portable fiscard transaction terminal device by mobile communication terminal realization transaction according to claim 6 is characterized in that:
Said Wireless communication interface module comprises the bluetooth wireless communication interface module.
8. the portable fiscard transaction terminal device by mobile communication terminal realization transaction according to claim 1 is characterized in that:
Said power module (16) is to be the power module of power supply with the battery, and said battery comprises one-shot battery and secondary cell.
9. method that realizes financial wireless transactions by mobile communication terminal; Based on mobile communication terminal (20) and portable fiscard transaction terminal device (10); This portable fiscard transaction terminal device (10) comprises microcontroller MCU (11); Be connected electrically in financial card information module for reading and writing (12), display module (13), data input module (14) and communication interface modules (15) on this microcontroller MCU (11), and to the power module (16) of microcontroller MCU (11) and each module for power supply; It is characterized in that said method comprises the steps:
A., financial transaction software is installed in said mobile communication terminal;
B. set up communication linkage by the peripheral communication interface of said mobile communication terminal and the communication interface modules (15) of said portable fiscard transaction terminal device (10);
The data of financial card information that C. reads by described financial card information module for reading and writing (12) and data input module input, the microcontroller MCU (11) of said portable fiscard transaction terminal device (10) collects and processes financial transactions data;
D. by said mobile communication terminal; Step C data of financial transaction is sent to the server of financial institutional establishment; And accomplish the server of said financial institutional establishment and the data interaction between the portable fiscard transaction terminal device (10) according to transaction flow, thereby accomplish process of exchange.
10. the method by mobile communication terminal realization fiscard wireless transactions according to claim 9 is characterized in that:
Microcontroller MCU (11) processes financial transactions data of the said portable fiscard transaction terminal device of step C (10) comprises the data encryption processing;
Data interaction between the server of the said financial institutional establishment of step D and the portable fiscard transaction terminal device (10) comprises the data encrypting and deciphering processing.
CN201110125902.4A 2011-05-16 2011-05-16 Method and the device thereof of financial wireless transactions is realized by mobile communication terminal Active CN102789660B (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106778408A (en) * 2016-11-22 2017-05-31 珠海艾派克科技股份有限公司 NFC WIFI reader devices and NFC data processing method
WO2017088728A1 (en) * 2015-11-25 2017-06-01 中国银联股份有限公司 Transaction device and method for ic card
CN106940850A (en) * 2017-03-13 2017-07-11 成都育芽科技有限公司 A kind of mobile network's financial payment information management system based on block chain
CN107358727A (en) * 2017-06-16 2017-11-17 余清 A kind of public transport Multifunctional reading card terminal

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Publication number Priority date Publication date Assignee Title
CN101052228A (en) * 2006-04-05 2007-10-10 三星电子株式会社 Multi-functional decrypter for a portable terminal
CN101944253A (en) * 2009-07-03 2011-01-12 深圳市证通金信科技有限公司 Mobile communication terminal with transaction function of debit card and transaction method thereof
CN202067352U (en) * 2011-05-16 2011-12-07 深圳市证通金信科技有限公司 Portable financial card trading terminal device capable of realizing trading by means of mobile communication terminal

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101052228A (en) * 2006-04-05 2007-10-10 三星电子株式会社 Multi-functional decrypter for a portable terminal
CN101944253A (en) * 2009-07-03 2011-01-12 深圳市证通金信科技有限公司 Mobile communication terminal with transaction function of debit card and transaction method thereof
CN202067352U (en) * 2011-05-16 2011-12-07 深圳市证通金信科技有限公司 Portable financial card trading terminal device capable of realizing trading by means of mobile communication terminal

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017088728A1 (en) * 2015-11-25 2017-06-01 中国银联股份有限公司 Transaction device and method for ic card
CN106778408A (en) * 2016-11-22 2017-05-31 珠海艾派克科技股份有限公司 NFC WIFI reader devices and NFC data processing method
CN106940850A (en) * 2017-03-13 2017-07-11 成都育芽科技有限公司 A kind of mobile network's financial payment information management system based on block chain
CN107358727A (en) * 2017-06-16 2017-11-17 余清 A kind of public transport Multifunctional reading card terminal

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