CN103945067B - The Internet financial terminal and the method for information interaction is realized by mobile phone - Google Patents
The Internet financial terminal and the method for information interaction is realized by mobile phone Download PDFInfo
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- CN103945067B CN103945067B CN201410176488.3A CN201410176488A CN103945067B CN 103945067 B CN103945067 B CN 103945067B CN 201410176488 A CN201410176488 A CN 201410176488A CN 103945067 B CN103945067 B CN 103945067B
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Abstract
The Internet financial terminal being realized information interaction by mobile phone of the present invention, is comprised the Internet financial terminal, smart mobile phone and financial sector server, realizes the data retransmission between financial terminal and system server by mobile phone.Information interacting method of the present invention comprises a). the connection of financial terminal and mobile phone; B). produce and send dynamic character code; C). display dynamic character code; D). judge that whether dynamic character code is consistent; E). connection failure; F). successful connection; G). swipe the card and send data; H). data retransmission; I). perform financial transaction; J). receiving feedback information.The Internet of the present invention financial terminal and information interacting method, realize information interaction by smart mobile phone, greatly extends the scope of application of financial terminal; Whether consistent with on financial terminal by judging the picture that mobile phone shows, whether what judge now to connect is oneself mobile phone, effectively increases the fail safe of transaction, has significant beneficial effect.
Description
Technical field
The present invention relates to a kind of the Internet financial terminal and the method that are realized information interaction by mobile phone, in particular, particularly relate to and a kind ofly utilize mobile phone to carry out forwarding data and by judging that the picture intercepted guarantees the Internet financial terminal and the information interacting method of fail safe.
Background technology
The Internet finance and mobile Internet rapid rising, traditional financial industry (bank) faces new challenge, is badly in need of to by interconnected for financial business networking.Can read magnetic stripe card with financial IC card, be with code keypad, the Internet financial terminal that PC carries out communicating can be connected rise, in the bid application of part bank, financial regulation agencies is also provided with the detection certification entry of the Internet financial terminal.
But existing the Internet financial terminal is Shortcomings in built-in bank internet, applications, fusion mobile communication, the safety operation of use Intel Virtualization Technology, visual safety verification etc., make existing the Internet financial terminal be unfavorable for that bank promotes Internet service under mobile Internet trend, traffic operation is complicated and lack visual Security Assurance Mechanism.For solve existing the Internet financial terminal with mobile terminal with the use of time, complicated operation and the problem of fail safe deficiency, need badly and propose a kind of the Internet financial terminal and mobile phone safe exchange method.
Summary of the invention
The present invention, in order to overcome the shortcoming of above-mentioned technical problem, provides a kind of the Internet financial terminal and the method that are realized information interaction by mobile phone.
The Internet financial terminal being realized information interaction by mobile phone of the present invention, comprise the Internet financial terminal, smart mobile phone and financial sector server, its special feature is:
Described the Internet financial terminal can read financial card information, and the Internet financial terminal and smart mobile phone carry out communication by WiFi-Direct technology, the Internet financial terminal are provided with code keypad and display screen;
Smart mobile phone receives the information that the Internet financial terminal sends, and is forwarded to financial sector server by mobile communications network; Meanwhile, smart mobile phone also by the data retransmission of financial sector server feedback to the Internet financial terminal;
The data that financial sector server sends according to the Internet financial terminal perform financial transaction, and the object information of transaction is forwarded to the Internet financial terminal by smart mobile phone.
Smart mobile phone is as the communication tool of indispensability, and everyone almost can carry whenever and wherever possible, and making the Internet financial terminal carry out information interaction by the financial sector server of smart mobile phone and far-end becomes possibility.WiFi-Direct technology is WiFi communication direct-connecting technology, without the need to through third party, namely can not be realized the communication of smart mobile phone and the Internet financial terminal by routing device, maintaining secrecy advantageously in transaction data.Because financial terminal is undertaken alternately, greatly extending the application places of financial terminal by mobile phone and financial sector server, make the Internet financial transaction not by the restriction in time, place.
The Internet financial terminal being realized information interaction by mobile phone of the present invention, described the Internet financial terminal is made up of microcontroller and the code keypad be connected with microcontroller, card reader module, card reader module, display module and WIFI communication module, code keypad is for inputting the password of fiscard, microcontroller reads financial card information by card reader module or card reader module, realizes the transfer of data with smart mobile phone by WIFI communication module; Microcontroller is also connected with power module and usb communication module.
The information interacting method being realized the Internet financial terminal of information interaction by mobile phone of the present invention, its special feature is, realized by following steps: a). the connection of financial terminal and mobile phone, the smart mobile phone of oneself near the Internet financial terminal, utilizes WiFi-Direct direct-connecting technology to realize the connection of smart mobile phone and the Internet financial terminal by the client that carrying out swipes the card concludes the business; And on smart mobile phone running client program; B). produce and send dynamic character code, the Internet financial terminal constantly produces the stochastic and dynamic character code be made up of numeral and letter, and is shown by display screen; The picture that screenshotss obtain to the continuous screenshotss of the display screen containing dynamic character code, and is sent to smart mobile phone by the Internet financial terminal in real time; C). display dynamic character code, screenshot picture shows, forms real-time video pictures after receiving the screenshot picture of the Internet financial terminal transmission by smart mobile phone in real time; D). judge that whether dynamic character code is consistent, client judges the character code on the video pictures shown by smart mobile phone, whether consistent with character code shown on the Internet financial terminal, if inconsistent, what show that the Internet financial terminal now connects is not oneself smart mobile phone, then send and refuse forwarding data order to the Internet financial terminal, perform step e); If consistent, what show that the Internet financial terminal now connects is oneself smart mobile phone, then send and permit forwarding data order to the Internet financial terminal, perform step f); E). connection failure, the Internet financial terminal carries out the request of data interaction unsuccessfully by the financial sector server of smart mobile phone and far-end; F). successful connection, the Internet financial terminal carries out data interaction by the financial sector server of smart mobile phone and far-end, and the Internet financial terminal sends the operation indicating of swiping the card, to inform that user now can carry out operation of swiping the card; G). swipe the card and send data, user is undertaken swiping the card by the Internet financial terminal, key feeding cipher and input dealing money, card number, password and dealing money are formed encrypted packets by the Internet financial terminal simultaneously, and encrypted packets is sent to smart mobile phone; H). data retransmission, after smart mobile phone receives encrypted packets, forwards it to financial sector server by mobile communications network, is handled it to this transaction by financial sector server; I). perform financial transaction, financial sector server performs this financial transaction according to the card number in encrypted packets, password and transaction amount information, and forms transaction feedback information; J). receiving feedback information, transaction feedback information is forwarded to the Internet financial terminal by smart mobile phone by financial sector server, according to the feedback information received, the Internet financial terminal judges that whether this time transaction is successful.
The invention has the beneficial effects as follows: the Internet of the present invention financial terminal and information interacting method, the function of surfing the Net that the Internet financial terminal is had by smart mobile phone, realize the information interaction with far-end financial sector server, greatly extend the scope of application of the Internet financial terminal, make to carry out the Internet financial transaction whenever and wherever possible and become possibility, be beneficial to bank and promote financing service under mobile Internet trend, there is significant beneficial effect.Simultaneously, because financial terminal is at the display screen display dynamic character code of self, and the screenshot picture of display screen is sent to smart mobile phone, client is by judging whether consistent with on financial terminal of real-time video picture that smart mobile phone shows, whether what judge that financial terminal connects is oneself mobile phone, simplify operating process, and effectively increase the fail safe of transaction.
Accompanying drawing explanation
The financial transaction system figure that Fig. 1 forms for the Internet of the present invention financial terminal;
Fig. 2 is the circuit theory diagrams of the Internet of the present invention financial terminal;
Fig. 3 is the information interaction flow chart of the Internet of the present invention financial terminal.
In figure: 1 the Internet financial terminal, 2 smart mobile phones, 3 financial sector servers, 4 microcontrollers, 5 code keypads, 6 card reader modules, 7 card reader modules, 8 power modules, 9 display modules, 10WiFi communication module, 11USB communication module.
Embodiment
Below in conjunction with accompanying drawing and embodiment, the invention will be further described.
As shown in Figure 1, give the Internet of the present invention financial transaction system figure that financial terminal forms, it comprises the Internet financial terminal 1, smart mobile phone 3 and financial sector server 3; The Internet financial terminal 1 identifiable design financial card information, and be provided with code keypad, to input the password of fiscard.The Internet financial terminal 1 is communicated by WiFi-Direct direct-connecting technology with smart mobile phone 2, without the need to adopting route, avoids third-party participation, makes the better safety that communicates.Smart mobile phone 2 and financial sector server 3 are communicated by mobile communications network, the function of surfing the Net such as the WIFI/3G/4G that smart mobile phone 2 can be adopted to have, by the forwarding capability of smart mobile phone 2, effectively realize the data interaction of the Internet financial terminal 1 and financial sector server 3.
The Internet financial terminal 1 realizes, with the data interaction of financial sector server 3, because almost everyone carries smart mobile phone whenever and wherever possible, therefore have greatly expanded the range of application of the Internet financial transaction by smart mobile phone 2.Because client adopts the smart mobile phone of collection to carry out data retransmission, the fail safe in financial transaction process obtains great guarantee.
As shown in Figure 2, give the schematic diagram of the Internet of the present invention financial terminal 1, it comprises microcontroller 4, code keypad 5, card reader module 6, card reader module 7, power module 8, display module 9, WiFi communication module 10, usb communication module 11; Microcontroller 4 has the effect that signals collecting, data operation and control export.The password that microcontroller 4 is keyed in by code keypad 5 identifiable design user, can read the information in fiscard by card reader module 6 or card reader module 7; Power module 8 provides electric energy for the work of the Internet financial terminal 1.The Internet financial terminal 1 can show for information about by display module 9 in real time, can realize being connected with the direct of smart mobile phone 2 by WiFi communication module 10, can realize the connection communication with PC by usb communication module 11.
The information interacting method being realized the Internet financial terminal of information interaction by mobile phone of the present invention, is realized by following steps:
A). the connection of financial terminal and mobile phone, the smart mobile phone 2 of oneself near the Internet financial terminal 1, utilizes WiFi-Direct direct-connecting technology to realize the connection of smart mobile phone and the Internet financial terminal by the client that carrying out swipes the card concludes the business; And on smart mobile phone running client program;
In this step, because smart mobile phone and the Internet financial terminal are by the direct communication of WiFi-Direct direct-connecting technology, without the need to adopting routing device, avoid third-party participation, fail safe is higher; The client-side program that smart mobile phone runs, for forwarding the data received, realizes the information interaction of the Internet financial terminal and financial sector server.
B). produce and send dynamic character code, the Internet financial terminal constantly produces the stochastic and dynamic character code be made up of numeral and letter, and is shown by display screen; The picture that screenshotss obtain to the continuous screenshotss of the display screen containing dynamic character code, and is sent to smart mobile phone by the Internet financial terminal in real time;
Synchronization the Internet financial terminal can only be connected with a smart mobile phone, and financial terminal, by the screenshotss to display screen, produces screenshot picture video flowing, is sent on smart mobile phone.
C). display dynamic character code, screenshot picture shows, forms real-time video pictures after receiving the screenshot picture of the Internet financial terminal transmission by smart mobile phone in real time;
In this step, because the screenshot picture received shows by smart mobile phone in real time, just define the video pictures consistent with the Internet financial terminal, whether consistent with the character code on the Internet financial terminal by judging the dynamic character code of picture on mobile phone, whether what judge that financial terminal connects at present is oneself mobile phone, to ensure the fail safe of concluding the business.
D). judge that whether dynamic character code is consistent, client judges the character code on the video pictures shown by smart mobile phone, whether consistent with character code shown on the Internet financial terminal, if inconsistent, what show that the Internet financial terminal now connects is not oneself smart mobile phone, then send and refuse forwarding data order to the Internet financial terminal, perform step e); If consistent, what show that the Internet financial terminal now connects is oneself smart mobile phone, then send and permit forwarding data order to the Internet financial terminal, perform step f);
E). connection failure, the Internet financial terminal carries out the request of data interaction unsuccessfully by the financial sector server of smart mobile phone and far-end;
F). successful connection, the Internet financial terminal carries out data interaction by the financial sector server of smart mobile phone and far-end, and the Internet financial terminal sends the operation indicating of swiping the card, to inform that user now can carry out operation of swiping the card;
G). swipe the card and send data, user is undertaken swiping the card by the Internet financial terminal, key feeding cipher and input dealing money, card number, password and dealing money are formed encrypted packets by the Internet financial terminal simultaneously, and encrypted packets is sent to smart mobile phone;
H). data retransmission, after smart mobile phone receives encrypted packets, forwards it to financial sector server by mobile communications network, is handled it to this transaction by financial sector server;
I). perform financial transaction, financial sector server performs this financial transaction according to the card number in encrypted packets, password and transaction amount information, and forms transaction feedback information;
J). receiving feedback information, transaction feedback information is forwarded to the Internet financial terminal by smart mobile phone by financial sector server, according to the feedback information received, the Internet financial terminal judges that whether this time transaction is successful.
The Internet of the present invention financial terminal and information interacting method, the Internet financial terminal realizes, with the information interaction of far-end financial sector server, greatly extending the scope of application of the Internet financial terminal, having significant beneficial effect by smart mobile phone; In the process of operation, client is by judging whether consistent with on financial terminal of real-time video picture that smart mobile phone shows, and whether what judge that financial terminal connects is oneself mobile phone, effectively increases the fail safe of transaction.
Claims (1)
1. realized a Internet financial terminal for information interaction by mobile phone, the Internet financial terminal being realized information interaction by mobile phone comprises the Internet financial terminal (1), smart mobile phone (2) and financial sector server (3);
Described the Internet financial terminal reads financial card information, and the Internet financial terminal and smart mobile phone carry out communication by WiFi-Direct technology, the Internet financial terminal are provided with code keypad and display screen;
Smart mobile phone receives the information that the Internet financial terminal sends, and is forwarded to financial sector server by mobile communications network; Meanwhile, smart mobile phone also by the data retransmission of financial sector server feedback to the Internet financial terminal;
The data that financial sector server sends according to the Internet financial terminal perform financial transaction, and the object information of transaction is forwarded to the Internet financial terminal by smart mobile phone;
Described the Internet financial terminal (1) is made up of microcontroller (4) and the code keypad (5) be connected with microcontroller, card reader module (6), card reader module (7), display module (9) and WIFI communication module (10), code keypad is for inputting the password of fiscard, microcontroller reads financial card information by card reader module or card reader module, realizes the transfer of data with smart mobile phone by WIFI communication module; Microcontroller is also connected with power module (8) and usb communication module (11);
The information interacting method being realized the Internet financial terminal of information interaction by mobile phone is realized by following steps:
A). the connection of financial terminal and mobile phone, the smart mobile phone (2) of oneself near the Internet financial terminal (1), utilizes WiFi-Direct direct-connecting technology to realize the connection of smart mobile phone and the Internet financial terminal by the client that carrying out swipes the card concludes the business; And on smart mobile phone running client program;
B). produce and send dynamic character code, the Internet financial terminal constantly produces the stochastic and dynamic character code be made up of numeral and letter, and is shown by display screen; The picture that screenshotss obtain to the continuous screenshotss of the display screen containing dynamic character code, and is sent to smart mobile phone by the Internet financial terminal in real time;
C). display dynamic character code, screenshot picture shows, forms real-time video pictures after receiving the screenshot picture of the Internet financial terminal transmission by smart mobile phone in real time;
D). judge that whether dynamic character code is consistent, client judges the character code on the video pictures shown by smart mobile phone, whether consistent with character code shown on the Internet financial terminal, if inconsistent, what show that the Internet financial terminal now connects is not oneself smart mobile phone, then send and refuse forwarding data order to the Internet financial terminal, perform step e); If consistent, what show that the Internet financial terminal now connects is oneself smart mobile phone, then send and permit forwarding data order to the Internet financial terminal, perform step f);
E). connection failure, the Internet financial terminal carries out the request of data interaction unsuccessfully by the financial sector server of smart mobile phone and far-end;
F). successful connection, the Internet financial terminal carries out data interaction by the financial sector server of smart mobile phone and far-end, and the Internet financial terminal sends the operation indicating of swiping the card, to inform that user now can carry out operation of swiping the card;
G). swipe the card and send data, user is undertaken swiping the card by the Internet financial terminal, key feeding cipher and input dealing money, card number, password and dealing money are formed encrypted packets by the Internet financial terminal simultaneously, and encrypted packets is sent to smart mobile phone;
H). data retransmission, after smart mobile phone receives encrypted packets, forwards it to financial sector server by mobile communications network, is handled it to this transaction by financial sector server;
I). perform financial transaction, financial sector server performs this financial transaction according to the card number in encrypted packets, password and transaction amount information, and forms transaction feedback information;
J). receiving feedback information, transaction feedback information is forwarded to the Internet financial terminal by smart mobile phone by financial sector server, according to the feedback information received, the Internet financial terminal judges that whether this time transaction is successful.
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| CN106780014A (en) * | 2016-12-31 | 2017-05-31 | 成都育芽科技有限公司 | A kind of bank paying financial transaction system based on Internet of Things |
| 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 |
| CN109214922A (en) * | 2017-06-29 | 2019-01-15 | 格局商学教育科技（深圳）有限公司 | A kind of internet financial resources integration method and system |
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| CN1567954A (en) * | 2003-06-20 | 2005-01-19 | 黄金富 | Dual-handset POS machine bargaining method with bargain confirmed by handset and dynamic encryption |
| US20090125996A1 (en) * | 2007-09-19 | 2009-05-14 | Interdigital Patent Holdings, Inc. | Virtual subscriber identity module |
| CN102289892A (en) * | 2010-06-21 | 2011-12-21 | 上海联付电子科技有限公司 | Method for realizing safety mobile payment service by using mobile card swiping equipment |
| CN103036950B (en) * | 2012-11-29 | 2016-08-10 | 北京购阿购技术服务有限公司 | Commercial information system |
| CN103198400B (en) * | 2013-03-04 | 2016-04-20 | 江苏怡丰通信设备有限公司 | A kind of blue teeth wireless POS terminal financial payment systems and method of payment thereof |
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Address after: Shun high tech Zone of Ji'nan City, Shandong province 250101 China West Road No. 699 Patentee after: SYNTHESIS ELECTRONIC TECHNOLOGY CO., LTD. Address before: Shun high tech Zone of Ji'nan City, Shandong province 250101 China West Road No. 699 Patentee before: Shandong Synthesis Electronic Technology Co., Ltd. |