CN102831738A - Mobile card swiping unit, mobile payment system and method - Google Patents
Mobile card swiping unit, mobile payment system and method Download PDFInfo
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- CN102831738A CN102831738A CN2012103185744A CN201210318574A CN102831738A CN 102831738 A CN102831738 A CN 102831738A CN 2012103185744 A CN2012103185744 A CN 2012103185744A CN 201210318574 A CN201210318574 A CN 201210318574A CN 102831738 A CN102831738 A CN 102831738A
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- mobile
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- card reader
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Abstract
The invention provides a mobile card swiping unit, a mobile payment system and a mobile payment method. The mobile card swiping unit comprises a card swiping slot, a password keyboard, a data encryption chip and a connecting interface of a mobile terminal, wherein the data encryption chip encrypts bank card information collected by the card swiping slot and transaction password received by the password keyboard and sends the bank card information collected by the card swiping slot and transaction password received by the password keyboard to the mobile terminal through the connecting interface of the mobile terminal. In the technical scheme, as a hardware encryption chip and the password keyboard are arranged on the mobile card swiping unit, the bank card information and transaction password are transmitted to the mobile terminal only after being encrypted, and are then transmitted to a payment background through a mobile Internet to decrypt, and after verification, payment is carried out, therefore, the safety of transaction information is better guaranteed.
Description
Technical field
The present invention relates to remote payment technology field, particularly relate to a kind of mobile card reader based on mobile Internet, and, a kind of mobile-payment system and method.
Background technology
Mobile payment service is that a kind of user only needs on mobile phone or panel computer, client-side program to be installed, and will move the earphone jack that card reader inserts mobile phone or panel computer and can accomplish the service of a series of delivery operations through swiping the card.After releasing by U.S. Square mobile payment company in 2010; Square mobile phone card-brushing payment mode starts the overbearing tide of mobile payment in the U.S.; Data according to authoritative institution's issue; By the end of the end of the year 2011, Square has had and has surpassed 1,000,000 businessman, and every day, trading volume surpassed 1,100 ten thousand U.S. dollars.
Square Dangle card reader is a kind of revolutionary terminal external equipment that Square mobile payment company releases, and has the COBBAIF of a standard and the groove of swiping the card, and its outward appearance is small and exquisite, is slightly larger than one piece of monobasic coin.Square Dangle card reader links to each other with mobile device, and the application program in mobile device consists of a wireless POS machine, realizes mobile payment service.At present, the portable terminal of Square Dangle support comprises iPhone mobile phone, iPad panel computer, Android mobile phone and Android panel computer etc.
Below, be example explanation mobile payment service transaction flow with Square Dangle card reader:
1, consumer's operation (swiping the card similar) of on Square Dangle, swiping the card with conventional P OS machine;
2, after Square Dangle receives card information, convert thereof into audio-frequency information, and send mobile terminal device to through standard 3.5mm COBBAIF;
3, the Square application program that is installed on the portable terminal converts the audio-frequency information that Square Dangle sends to numerical information; Encrypted message with the user takes on portable terminal is sent to the Square background service system through mobile communications network or wlan network;
4, the Square background service system through and each hair fastener tissue between interface, information is sent to the hair fastener tissue, and carries out authentication;
5, after authentication is passed through, the Square background service system will go to the Square account of trade company from the fund that hair fastener tissue clearance is come;
6, in 12~36 hours after transaction is accomplished, the Square background service system goes to the fund in the Square account of trade company in the bank account of trade company's binding.
But above-mentioned mobile-payment system and application model have determined the Square mobile payment service to have following major defect: at first; The back bank card magnetic track information of swiping the card does not directly send the mobile phone end application program to through encrypting; Secondly; Encrypted message need be imported on portable terminal according to the prompting of application program, thereby exists the wooden horse that is present on the portable terminal to steal the potential safety hazard of confidential information such as card number, password.In addition; Because Square Dangle card reader is only supported the 3.5mm COBBAIF; Need D/A converter module and analog-to-digital conversion module are set on card reader and portable terminal respectively, not only increased system complexity and cost, also influenced the performance of system to a certain extent.
Summary of the invention
Technical matters to be solved by this invention provides a kind of mobile card reader, and a kind of mobile-payment system and method can solve the security hidden trouble that confidential information such as user bank card number and password possibly be stolen in the existing mobile payment service system.
In order to address the above problem; The invention discloses a kind of mobile card reader; Comprise the groove of swiping the card, code keypad, data encryption chip and portable terminal connecting interface; Wherein, after the trading password that bank card information that said data encryption chip is gathered the said groove of swiping the card and said code keypad receive is encrypted, be sent on the portable terminal through said portable terminal connecting interface.
Preferably, also comprise LCD display, be used to the sequence information that shows that said portable terminal receives.
Preferably, said mobile terminal interface is USB interface or 3.5mm COBBAIF.
Preferably, said data encryption chip adopts RSA Algorithm that said bank card information and trading password are encrypted.
According to another preferred embodiment of the present invention; A kind of mobile-payment system is also disclosed; Comprise mobile card reader, portable terminal and background service system; Said mobile card reader comprises the groove of swiping the card, portable terminal connecting interface, code keypad and data encryption chip; Wherein: the data encryption chip of said mobile card reader is encrypted the enciphered data that the back generates with the bank card information of the said groove collection of swiping the card and the trading password that said code keypad receives, and is sent on the portable terminal through said portable terminal connecting interface; Said portable terminal is sent to said background service system through mobile Internet with sequence information and the said enciphered data that the user imports; Said background service system carries out verification to the sequence information that receives, to enciphered data decipher, authentication, and the transaction results that will conclude the business after accomplishing is back to said portable terminal.
Preferably, said portable terminal is provided with the user interface that receives user's sequence information.
Preferably, said mobile card reader also comprises the LCD display that is used to show the sequence information that said portable terminal receives.
Preferably; Said background service system specifically comprises front server and backstage transaction processing system; Wherein: said front server is sent to said backstage transaction subsystem after being used for the said sequence information that said portable terminal sends carried out verification, said enciphered data is deciphered; The transaction results that said backstage transaction processing system will be concluded the business after accomplishing is back to said portable terminal through said front server.
According to an also preferred embodiment of the present invention, a kind of method of mobile payment is disclosed, comprising: through mobile terminal user interface input sequence information; Move card reader its bank card information and trading password of gathering reception is encrypted the enciphered data that the back generates, be sent on the portable terminal through said portable terminal connecting interface; Portable terminal is sent to background service system with said sequence information and enciphered data through mobile Internet; Background service system carries out verification to said sequence information, after enciphered data is deciphered, the transaction results after the transaction completion is back to said portable terminal.
Preferably, also comprise after through mobile terminal user interface input sequence information step said: said portable terminal is passed to mobile card reader with sequence information, and shows through the LCD display of mobile card reader.
Compared with prior art, the present invention has the following advantages:
In the preferred embodiment of the present invention; Be provided with hardware encryption chip and code keypad owing to move card reader; Bank card information and trading password just are transferred to portable terminal after encrypting; And then through mobile Internet be transferred to payment backstage deciphering, checking through after carry out payment processes, guaranteed the security of Transaction Information preferably.
The code keypad that moves the card reader setting can make the user on mobile card reader, import trading password; When in the mobile payment transaction process, using the portable terminal of trade company, can solve the trading password leakage problem of prior art because of needing the user to cause at portable terminal input password.
In addition; The present invention is except supporting the 3.5mm COBBAIF; Also support USB interface, can solve prior art and system complexity that D/A converter module and analog-to-digital conversion module cause and the problem that cost is higher, system performance is low are set respectively on card reader and portable terminal because of needs.
Description of drawings
Fig. 1 is the structural representation that the present invention moves card reader first embodiment;
Fig. 2 is the structural representation that the present invention moves card reader second embodiment;
Fig. 3 is the structural representation of mobile-payment system one embodiment of the present invention;
Fig. 4 is the process flow diagram of method of mobile payment one embodiment of the present invention.
Embodiment
For make above-mentioned purpose of the present invention, feature and advantage can be more obviously understandable, below in conjunction with accompanying drawing and embodiment the present invention done further detailed explanation.
With reference to Fig. 1, show the structural representation that the present invention moves card reader first embodiment, in this preferred embodiment, move card reader 1 and specifically comprise:
The groove 11 of swiping the card: be used to gather bank card information;
Code keypad 12: the payment cipher information that is used to receive user's input;
Data encryption chip 13: be used for the bank card information of groove 11 collections of swiping the card and the payment cipher of code keypad 12 receptions are encrypted back generation code data;
In this preferred embodiment, data encryption chip 13 adopts RSA Algorithm that bank card information and trading password are encrypted.
LCD display 15: be used for the information such as the order amount of money that explicit user is imported on portable terminal 2, and implicit expression echo user is through the payment cipher of code keypad 12 inputs;
Usb 1 4-1: be used to set up and move being connected of card reader 1 and portable terminal 2.
Its workflow is: the user is sent on the LCD display 15 through usb 1 4-1 and shows after input sequence information on the portable terminal 2; The prompting user swipes the card through the groove 11 of swiping the card and passes through code keypad 12 input trading passwords; Data encryption chip 13 will be swiped the card after the trading password encryption that bank card information that groove 11 gathers and code keypad 12 receive, and be sent on the portable terminal 2 through usb 1 4-1.
With reference to Fig. 2; Show the structural representation that the present invention moves card reader second embodiment; Except that above-mentioned first the embodiment included groove 11 of swiping the card, code keypad 12, data encryption chip 13 and LCD display 15; Also comprise Date Conversion Unit 16 and be used to set up the 3.5mm COBBAIF 14-2 that mobile card reader 1 is connected with portable terminal 2; Wherein, the enciphered data that data encryption chip 13 is encrypted generation needed convert digital signal " enciphered data " into sound signal through Date Conversion Unit 16 earlier before being sent to portable terminal 2 through 3.5mm COBBAIF 14-2.
With reference to Fig. 3, show the structural representation of mobile-payment system one embodiment of the present invention, comprise and move card reader 1, portable terminal 2 and background service system 3, wherein:
Background service system 3 specifically comprises: after being used for the sequence information that portable terminal 2 sends carried out verification, enciphered data is deciphered, be sent to the front server 31 of backstage transaction processing system 32; The transaction results after accomplishing of being used for concluding the business is back to the backstage transaction processing system 32 of portable terminal 2 through front server 31.
Need to prove; When moving portable terminal connecting interface that card reader 1 comprises and be the 3.5mm COBBAIF; Should comprise also in the portable terminal 2 that the analog signal conversion that is used for the mobile card reader that receives 1 is sent is the AD conversion unit of digital signal, the digital signal that sends to mobile card reader 1 converted into the D/A conversion unit of simulating signal.
In this preferred embodiment, portable terminal can be various smart mobile phones and panel computer, like iPhone mobile phone, Android mobile phone, iPad panel computer etc.
Need to prove that said apparatus embodiment belongs to preferred embodiment, related unit and module might not be that the present invention is necessary.
With reference to Fig. 4, show the flow process of method of mobile payment one embodiment of the present invention, specifically may further comprise the steps:
Step S401: the user is through the information such as the user interface 21 input order amount of money of portable terminal 2;
Step S402: move card reader 1 its bank card information and trading password encryption back of gathering reception is generated enciphered data;
Step S403: move card reader 1 above-mentioned enciphered data is sent on the portable terminal 2 through the portable terminal connecting interface;
Step S404: portable terminal 2 is sent to the above order information and enciphered data on the front server 31 of background service system 3 through mobile Internet;
Step S405: 31 pairs of the above order information of front server are carried out verification, and after enciphered data was deciphered, the group bag was sent to backstage transaction processing system 32;
Step S406: the transaction results that backstage transaction processing system 32 will be concluded the business after accomplishing is back to portable terminal 2 through front server 31.
In the further preferred embodiment of present embodiment, comprise the steps: also that after step S401 the sequence information that portable terminal 2 receives user interface 21 is passed to mobile card reader 1, and show through the LCD display 15 that moves card reader 1.
For aforesaid each method embodiment; Simple in order to describe; So it all is expressed as a series of combination of actions, but those skilled in the art should know that the present invention does not receive the restriction of described sequence of movement; Because according to the present invention, some step can adopt other orders or carry out simultaneously; Secondly, those skilled in the art should know that also said method embodiment all belongs to preferred embodiment, and related action and module might not be that the present invention is necessary.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, and what each embodiment stressed all is and the difference of other embodiment that identical similar part is mutually referring to getting final product between each embodiment.
More than to a kind of mobile card reader provided by the present invention; And; A kind of mobile-payment system and method have been carried out detailed introduction; Use concrete example among this paper principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; For one of ordinary skill in the art, according to thought of the present invention, the part that on embodiment and range of application, all can change, in sum, this description should not be construed as limitation of the present invention.
Claims (10)
1. a mobile card reader comprises swipe the card groove and portable terminal connecting interface, it is characterized in that, said mobile card reader also comprises code keypad and data encryption chip, wherein:
After the trading password that bank card information that said data encryption chip is gathered the said groove of swiping the card and said code keypad receive is encrypted, be sent on the portable terminal through said portable terminal connecting interface.
2. mobile card reader as claimed in claim 1 is characterized in that, also comprises LCD display, is used to the sequence information that shows that said portable terminal receives.
3. mobile card reader as claimed in claim 1 is characterized in that, said mobile terminal interface is USB interface or 3.5mm COBBAIF.
4. mobile card reader as claimed in claim 1 is characterized in that, said data encryption chip adopts RSA Algorithm that said bank card information and trading password are encrypted.
5. a mobile-payment system comprises mobile card reader, portable terminal and background service system, it is characterized in that, said mobile card reader comprises the groove of swiping the card, portable terminal connecting interface, code keypad and data encryption chip, wherein:
The data encryption chip of said mobile card reader is encrypted the enciphered data that the back generates with the bank card information of the said groove collection of swiping the card and the trading password that said code keypad receives, and is sent on the portable terminal through said portable terminal connecting interface;
Said portable terminal is sent to said background service system through mobile Internet with sequence information and the said enciphered data that the user imports;
Said background service system carries out verification to the sequence information that receives, to enciphered data decipher, authentication, and the transaction results that will conclude the business after accomplishing is back to said portable terminal.
6. mobile-payment system as claimed in claim 5 is characterized in that, said portable terminal is provided with the user interface that receives user's sequence information.
7. mobile-payment system as claimed in claim 5 is characterized in that, said mobile card reader also comprises the LCD display that is used to show the sequence information that said portable terminal receives.
8. mobile-payment system as claimed in claim 5 is characterized in that, said background service system specifically comprises front server and backstage transaction processing system, wherein:
Said front server is sent to said backstage transaction subsystem after being used for the said sequence information that said portable terminal sends carried out verification, said enciphered data is deciphered;
The transaction results that said backstage transaction processing system will be concluded the business after accomplishing is back to said portable terminal through said front server.
9. a method of mobile payment is characterized in that, comprising:
Through mobile terminal user interface input sequence information;
Move card reader its bank card information and trading password of gathering reception is encrypted the enciphered data that the back generates, be sent on the portable terminal through said portable terminal connecting interface;
Portable terminal is sent to background service system with said sequence information and enciphered data through mobile Internet;
Background service system carries out verification to said sequence information, after enciphered data is deciphered, the transaction results after the transaction completion is back to said portable terminal.
10. method as claimed in claim 9 is characterized in that, also comprises after through mobile terminal user interface input sequence information step said:
Said portable terminal is passed to mobile card reader with sequence information, and shows through the LCD display that moves card reader.
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CN2012103185744A CN102831738A (en) | 2012-08-31 | 2012-08-31 | Mobile card swiping unit, mobile payment system and method |
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CN2012103185744A CN102831738A (en) | 2012-08-31 | 2012-08-31 | Mobile card swiping unit, mobile payment system and method |
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Cited By (10)
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CN103268546A (en) * | 2013-03-27 | 2013-08-28 | 上海富友支付服务有限公司 | Mobile communication terminal-based bank card acquisition method |
CN103280038A (en) * | 2013-05-10 | 2013-09-04 | 江苏怡丰通信设备有限公司 | Financial payment system based on family gateway and payment method thereof |
CN103489263A (en) * | 2013-09-03 | 2014-01-01 | 深圳钱盒信息技术有限公司 | Real-time interaction method, password keyboard swiping card device and mobile terminal |
CN103729949A (en) * | 2014-01-17 | 2014-04-16 | 成都理工大学 | Novel portable mobile transaction device |
CN105225369A (en) * | 2014-06-04 | 2016-01-06 | 中国银联股份有限公司 | A kind of mother and sons' POS system |
CN105279643A (en) * | 2014-12-26 | 2016-01-27 | 张志恒 | Remote payment method based on information discrete distribution technology |
CN105279642A (en) * | 2014-12-26 | 2016-01-27 | 张志恒 | Payment method based on data push |
CN105303696A (en) * | 2014-07-08 | 2016-02-03 | 深圳华智融科技有限公司 | Payment method by swiping card and card swiper |
CN106934960A (en) * | 2017-02-17 | 2017-07-07 | 上海动联信息技术股份有限公司 | A kind of quick flat board cashier's machine |
CN109508566A (en) * | 2018-12-29 | 2019-03-22 | 上海哈诚电子科技有限公司 | A kind of safety device of code keyboard |
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Publication number | Priority date | Publication date | Assignee | Title |
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CN105225369A (en) * | 2014-06-04 | 2016-01-06 | 中国银联股份有限公司 | A kind of mother and sons' POS system |
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CN105279643A (en) * | 2014-12-26 | 2016-01-27 | 张志恒 | Remote payment method based on information discrete distribution technology |
CN105279642A (en) * | 2014-12-26 | 2016-01-27 | 张志恒 | Payment method based on data push |
CN106934960A (en) * | 2017-02-17 | 2017-07-07 | 上海动联信息技术股份有限公司 | A kind of quick flat board cashier's machine |
CN109508566A (en) * | 2018-12-29 | 2019-03-22 | 上海哈诚电子科技有限公司 | A kind of safety device of code keyboard |
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Application publication date: 20121219 |