CN102789660B - Method and the device thereof of financial wireless transactions is realized by mobile communication terminal - Google Patents
Method and the device thereof of financial wireless transactions is realized by mobile communication terminal Download PDFInfo
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- CN102789660B CN102789660B CN201110125902.4A CN201110125902A CN102789660B CN 102789660 B CN102789660 B CN 102789660B CN 201110125902 A CN201110125902 A CN 201110125902A CN 102789660 B CN102789660 B CN 102789660B
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Abstract
The present invention proposes the method and the device thereof that realize financial wireless transactions by mobile communication terminal, and described device comprises microcontroller MCU, is connected electrically in the financial card information module for reading and writing on this microcontroller MCU and communication interface modules.Described communication interface modules for realize with mobile communication terminal link and data are transmitted; Described mobile communication terminal loads financial transaction software, completes finance trade function by the data from described fiscard transaction terminal device.The present invention makes the use of financial transaction terminal device not limit by region by the wireless communication ability of mobile communication terminal, improves the ease of use of financial transaction terminal device; Present invention decreases the volume and weight of this fiscard transaction terminal device, what make financial transaction terminal device has adapted to the demand of portability; And the read-write capability of all kinds fiscard of existing distribution that described fiscard transaction terminal device is compatible, adds the scope of application of financial transaction terminal device of the present invention.
Description
Technical field
The present invention relates to data processing method and device thereof, particularly relate to based on radio communication finance data processing method and realize the special purpose device of the method.
Background technology
Prior art fiscard remote transaction system comprises the special trading server that financial institution sets up, and for this financial institution distribution fiscard with the use of fiscard transaction terminal, user reads the data message in corresponding fiscard with fiscard transaction terminal, and type of transaction is sent to described special trading server with data message in described fiscard, through the data interaction of described special trading server and described fiscard transaction terminal, complete fiscard process of exchange.
Also there is following defect and weak point in prior art fiscard remote transaction system:
1. prior art fiscard transaction terminal is set up linking between special trading server by cable network mostly, the position of this fiscard transaction terminal is caused to be fixed, usually businessman or dealer net a little is arranged on, make fiscard conclude the business by the restriction of loco, the demand of user to fiscard transaction convenience can not be adapted to;
2. although there is part fiscard transaction terminal can set up wireless link by wireless network and described special trading server, but, because described fiscard transaction terminal volume is large, carry inconvenience, user can not be adapted to the demand of fiscard transaction terminal portability with transaction convenience;
3. to be applicable to fiscard type single for prior art fiscard transaction terminal, such as be only applicable to the transaction terminal of financial magnetic card, be only suitable for the transaction terminal of financial integrated circuit IC-card or be only suitable for the transaction terminal of financial non-contact card, can not polytype fiscard of compatible existing distribution simultaneously.
Summary of the invention
The technical problem to be solved in the present invention be to avoid the deficiencies in the prior art part and propose a kind of by mobile communication terminal realize financial wireless transactions method and by mobile communication terminal realize transaction Portable financial card transaction terminal device, fiscard transaction terminal is easy to carry, be easy to use, do not limit by region, various fiscard read-write operation can be applicable to.
The present invention solve the technical problem can by realizing by the following technical solutions:
Design, manufacture a kind of Portable financial card transaction terminal device realizing transaction by mobile communication terminal, especially, comprise microcontroller MCU, be connected electrically in financial card information module for reading and writing, display module, data input module and the communication interface modules on this microcontroller MCU, and to the power module of microcontroller MCU and each module for power supply.The english abbreviation of described MCU and microcontroller Micro Controller Unit.Described financial card information module for reading and writing is used for implementing read-write operation to fiscard; Described communication interface modules for realize with mobile communication terminal link and data are transmitted; Described mobile communication terminal loads financial transaction software, completes finance trade function by the data from described fiscard transaction terminal device.
In order to the existing various fiscard reading and writing data function of compatibility, described 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 safety control module PSAM card module for reading and writing.Described IC is the english abbreviation of integrated circuit Integrated Circuit.Described PSAM is the english abbreviation of terminal safety control module Point of Security Access Module.
Particularly, described magnetic card module for reading and writing comprises magnetic information read write line, and is connected electrically in the A/D converter between this magnetic information read write line and described microcontroller MCU.
Particularly, described 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 described microcontroller MCU.Described NFC is the english abbreviation of short-range communication Near Field Communication.
For guaranteeing data security, be also provided with data encrypting and deciphering module in described microcontroller MCU, this data encrypting and deciphering module is electrically connected described financial card information module for reading and writing.
Described communication interface modules comprises wired communication interface modules and Wireless communication interface module.Particularly, described Wireless communication interface module comprises bluetooth wireless communication interface module.
In order to meet portability requirements, described power module take battery as the power module of power supply, described battery one-shot battery and secondary cell.
The present invention solve the technical problem can by realizing by the following technical solutions:
Implement a kind of method realizing financial wireless transactions by mobile communication terminal, based on mobile communication terminal and Portable financial card transaction terminal device, this Portable financial card transaction terminal device comprises microcontroller MCU, be connected electrically in financial card information module for reading and writing, display module, data input module and the communication interface modules on this microcontroller MCU, and to the power module of microcontroller MCU and each module for power supply.Especially described method comprises the steps:
A. in described mobile communication terminal, financial transaction software is installed;
B. communication linkage is set up by the peripheral communication interface of described mobile communication terminal and the communication interface modules of described Portable financial card transaction terminal device;
C. by the financial card information of described financial card information module for reading and writing reading and the data of data input module input, the microcontroller MCU of described Portable financial card transaction terminal device collects and processes financial transactions data;
D. by described mobile communication terminal, step C data of financial transaction is sent to the server of financial institutional establishment, and complete the data interaction between the server of described financial institutional establishment and Portable financial card transaction terminal device according to transaction flow, thus complete process of exchange.
Described in step C, the microcontroller MCU processes financial transactions data of Portable financial card transaction terminal device comprises data encryption process; Data interaction between the server of financial institutional establishment described in step D and Portable financial card transaction terminal device comprises data encrypting and deciphering process.
Compared with the existing technology comparatively, the present invention " realizes method and the device thereof of financial wireless transactions " technique effect by mobile communication terminal is:
1. by mobile communication terminal general with the linking of external device communication Interface realization and described fiscard transaction terminal device, cordless communication network by mobile communication terminal realizes linking of this fiscard transaction terminal device and the special trading server of financial institution, take full advantage of use popularization and the wireless communication ability thereof of mobile communication terminal, make the use of financial transaction terminal device of the present invention not limit by region, improve the ease of use of financial transaction terminal device;
2. by microcontroller MCU, and the financial transaction software loaded in mobile communication terminal, realize fiscard process of exchange, enormously simplify the structure of fiscard transaction terminal device, reduce the volume and weight of this fiscard transaction terminal device, make financial transaction terminal of the present invention adapt to the demand of user to portability;
3. financial card information module for reading and writing described in can to the read-write of more than one fiscard, and the read-write capability of all kinds fiscard of compatible existing distribution, adds the scope of application and the ease of use of fiscard transaction terminal device of the present invention.
Accompanying drawing explanation
Fig. 1 is the principle schematic of the present invention's preferred embodiment that " realizes 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
Be described in further detail below in conjunction with preferred embodiment shown in accompanying drawing.
The present invention proposes a kind of Portable financial card transaction terminal device realizing transaction by mobile communication terminal, as depicted in figs. 1 and 2, comprise microcontroller MCU 11, be connected electrically in the financial card information module for reading and writing 12 on this microcontroller MCU 11, display module 13, data input module 14 and communication interface modules 15, and to the power module 16 of microcontroller MCU 11 and each module for power supply.Described financial card information module for reading and writing 12 is for implementing read-write operation to fiscard; Described communication interface modules 15 for realize with mobile communication terminal 20 link and data are transmitted; Described mobile communication terminal 20 loads financial transaction software, completes finance trade function by the data from described fiscard transaction terminal device 10.
Thus, the present invention proposes a kind of method realizing financial wireless transactions by mobile communication terminal on described Portable financial card transaction terminal device 10 basis, based on above-mentioned mobile communication terminal 20 and Portable financial card transaction terminal device 10, described method comprises the steps:
A. in described mobile communication terminal 20, financial transaction software is installed;
B. communication linkage is set up by the peripheral communication interface of described mobile communication terminal and the communication interface modules 15 of described Portable financial card transaction terminal device 10;
C. by the financial card information of described financial card information module for reading and writing 12 reading and the data of data input module input, the microcontroller MCU 11 of described Portable financial card transaction terminal device 10 collects and processes financial transactions data;
D. by described mobile communication terminal, step C data of financial transaction is sent to the server of financial institutional establishment, and complete the data interaction between the server of described financial institutional establishment and Portable financial card transaction terminal device 10 according to transaction flow, thus complete process of exchange.In described step D, the transmitting-receiving carrying out several times data according to concrete trading item is needed according to the transaction flow data interaction completed between the server of described financial institutional establishment and Portable financial card transaction terminal device 10, such as, user needs input validation data, Update Table according to transaction flow or deletes data etc., is therefore a kind of process of data interaction.
The present invention by mobile communication terminal 20 general with the linking of external device communication Interface realization and described fiscard transaction terminal device 10, cordless communication network by mobile communication terminal 20 realizes linking of this fiscard transaction terminal device 10 and the special trading server 30 of financial institution, take full advantage of use popularization and the wireless communication ability thereof of mobile communication terminal, make the use of financial transaction terminal device of the present invention not limit by region; Simultaneously, by microcontroller MCU 11, and the financial transaction software loaded in mobile communication terminal 20, realize fiscard process of exchange, enormously simplify the structure of fiscard transaction terminal device 10, reduce the volume and weight of this fiscard transaction terminal device 10, make described financial transaction terminal 10 adapt to the demand of portability.Therefore, above-mentioned technique effect of the present invention meets the demand that user proposes financial transaction terminal device 10 portability.The most widely used avatar of described mobile communication terminal 20 is exactly people's usually alleged " mobile phones ", existing mobile phone popularization degree is very high, so, as long as user carries financial transaction terminal 10 of the present invention just can realize financial transaction anywhere or anytime.As mentioned above, the present invention makes the volume and weight of financial transaction terminal 10 be applicable to portable requirement, in addition the high popularization degree of mobile communication terminal 20, thus meets the convenience requirement of user to financial transaction.
In order to improve described fiscard transaction terminal device 10 to the compatibility of the various fiscards of existing distribution, described 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 safety control module PSAM card module for reading and writing 124.Namely, described financial card information module for reading and writing 12 can read and write any one financial card information in financial magnetic card, financial IC card, financial non-contact card and financial PSAM card.Add the scope of application of described fiscard transaction terminal device 10.Described financial card information module for reading and writing 12 can be at least one in above-mentioned various module for reading and writing, and as the preferred embodiment of the present invention, as shown in Figure 2, described financial card information module for reading and writing 12 includes above-mentioned all types of module for reading and writing.Further, described fiscard transaction terminal device 10 is according to payment card industry Payment Card Industry safety certification standard in force, i.e. PCI safety certification standard design software and hardware structure.
The hardware-embodied form of described magnetic card module for reading and writing 121 can be conventional magnetic stripe read-write chute, 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 described microcontroller MCU 11.
The hardware-embodied form of described integrated circuit IC-card module for reading and writing 122 can be conventional IC-card seat or IC-card groove.
The hardware-embodied form of described terminal safety control module PSAM card module for reading and writing 124 can be conventional PSAM deck or PSAM draw-in groove.
The hardware-embodied form of described non-contact card module for reading and writing 123 can be conventional Card Reader window, 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 described microcontroller MCU 11.
In order to ensure data security and privacy; data encrypting and deciphering module 111 is also provided with in described microcontroller MCU 11; this data encrypting and deciphering module 111 is electrically connected described financial card information module for reading and writing 12, thus makes data just be implemented encipherment protection before transferring in mobile communication terminal.
Thus, described in the step C in said method, microcontroller MCU 11 processes financial transactions data of Portable financial card transaction terminal device 10 comprises data encryption process; Data interaction between the server of financial institutional establishment described in step D and Portable financial card transaction terminal device 10 comprises data encrypting and deciphering process.As mentioned above, in data exchange process, need to carry out data deciphering when data stream enters described fiscard transaction terminal device 10, data stream needs to carry out data encryption when described fiscard transaction terminal device 10 sends.
Described communication interface modules 15 comprises wired communication interface modules and Wireless communication interface module.Described wired communication interface module is suitable for the communication pattern coordinating mobile communication terminal data line; Consider from current communication facility angle, Wireless communication interface module is preferably used, and especially described Wireless communication interface module adopts bluetooth wireless communication interface module.
In order to meet the requirement of fiscard transaction terminal device 10 pairs of portability, described power module 16 adopts battery to be the power module of power supply.Described battery can only the one-shot battery that uses of disposable electric discharge and can the secondary cell of repeatedly discharge and recharge.
In the preferred embodiment of the present invention, mobile communication terminal 20 can adopt " smart mobile phone " that existing popularization degree is very high, as shown in Figure 1, comprises radio-frequency (RF) receiving and transmission module 21, data processor 22 and peripheral communication interface 23.Described data processor 22 can be a part of the host CPU CPU in mobile phone, also can be independent of described host CPU CPU outside data processor 22.
Using smart mobile phone as the preferred equipment of mobile communication terminal, by following process implementation:
1. smart mobile phone is downloaded by the banking platform as the special trading server of financial institution and is installed mobile phone client software;
2., by bluetooth or general mobile phone data line, smart mobile phone and fiscard transaction terminal device 10 connect;
3. holder swipes the card and carries out dealing money, the input of password, amendment according to prompting on fiscard transaction terminal device 10;
4. the information of fiscard transaction terminal device 10 to the card information read and holder's input is encrypted and then delivers to banking platform by communication interface via smart mobile phone and verify, and is decrypted the enciphered message that banking platform returns;
5. holder the information after deciphering is confirmed, is revised, deletion action;
6. fiscard has been concluded the business.
Claims (7)
1. realize a Portable financial card transaction terminal device for transaction by mobile communication terminal, it is characterized in that:
Comprise microcontroller MCU(11), be connected electrically in this microcontroller MCU(11) on financial card information module for reading and writing (12), display module (13), data input module (14) and communication interface modules (15), and to microcontroller MCU(11) and the power module (16) of each module for power supply;
Described financial card information module for reading and writing (12) is for implementing read-write operation to fiscard; Described communication interface modules (15) for realize with mobile communication terminal (20) link and data are transmitted; Described mobile communication terminal (20) loads financial transaction software, completes finance trade function by the data from described fiscard transaction terminal device (10);
Described 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 safety control module PSAM card module for reading and writing (124);
Described communication interface modules (15) is bluetooth wireless communication interface module.
2. the Portable financial card transaction terminal device realizing transaction by mobile communication terminal according to claim 1, is characterized in that:
Described magnetic card module for reading and writing (121) comprises magnetic information read write line (1211), and is connected electrically in this magnetic information read write line (1211) and described microcontroller MCU(11) between A/D converter (1212).
3. the Portable financial card transaction terminal device realizing transaction by mobile communication terminal according to claim 1, is characterized in that:
Described non-contact card module for reading and writing (123) comprises short-range communication NFC antenna (1231), and is connected electrically in this short-range communication NFC antenna (1231) and described microcontroller MCU(11) between short-range communication NFC process chip (1232).
4. the Portable financial card transaction terminal device realizing transaction by mobile communication terminal according to claim 1, is characterized in that:
Described microcontroller MCU(11) in be also provided with data encrypting and deciphering module (111), this data encrypting and deciphering module (111) is electrically connected described financial card information module for reading and writing (12).
5. the Portable financial card transaction terminal device realizing transaction by mobile communication terminal according to claim 1, is characterized in that:
Described power module (16) take battery as the power module of power supply, described battery one-shot battery and secondary cell.
6. one kind realizes the method for fiscard wireless transactions by mobile communication terminal, based on mobile communication terminal (20) and Portable financial card transaction terminal device (10), this Portable financial card transaction terminal device (10) comprises microcontroller MCU(11), be connected electrically in this microcontroller MCU(11) on financial card information module for reading and writing (12), display module (13), data input module (14) and communication interface modules (15), and to microcontroller MCU(11) and the power module (16) of each module for power supply; Described 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 safety control module PSAM card module for reading and writing (124); Described communication interface modules (15) is bluetooth wireless communication interface module; It is characterized in that described method comprises the steps:
A. in described mobile communication terminal, financial transaction software is installed;
B. wireless communication link is set up by the peripheral communication interface of described mobile communication terminal and the bluetooth wireless communication interface module of described Portable financial card transaction terminal device (10);
The data of the financial card information C. read by described financial card information module for reading and writing (12) and data input module input, the microcontroller MCU(11 of described Portable financial card transaction terminal device (10)) collect and processes financial transactions data;
D. by described mobile communication terminal, step C data of financial transaction is sent to the server of financial institutional establishment, and complete the data interaction between the server of described financial institutional establishment and Portable financial card transaction terminal device (10) according to transaction flow, thus complete process of exchange.
7. the method realizing fiscard wireless transactions by mobile communication terminal according to claim 6, is characterized in that:
The microcontroller MCU(11 of Portable financial card transaction terminal device (10) described in step C) processes financial transactions data comprises data encryption process;
Data interaction between the server of financial institutional establishment described in step D and Portable financial card transaction terminal device (10) comprises data encrypting and deciphering process.
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| CN201110125902.4A CN102789660B (en) | 2011-05-16 | 2011-05-16 | Method and the device thereof of financial wireless transactions is realized by mobile communication terminal |
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| CN102789660B true CN102789660B (en) | 2015-10-21 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105590381A (en) * | 2015-11-25 | 2016-05-18 | 中国银联股份有限公司 | Device and method for transaction for IC card |
| CN106778408B (en) * | 2016-11-22 | 2019-05-21 | 纳思达股份有限公司 | NFC-WIFI reader device 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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| 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 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| KR100773293B1 (en) * | 2006-04-05 | 2007-11-05 | 삼성전자주식회사 | Multi-functional dongle for portable terminal |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
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