CN104820923A - Smart wallet and payment method - Google Patents
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- CN104820923A CN104820923A CN201510183043.2A CN201510183043A CN104820923A CN 104820923 A CN104820923 A CN 104820923A CN 201510183043 A CN201510183043 A CN 201510183043A CN 104820923 A CN104820923 A CN 104820923A
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Abstract
The invention relates to a smart wallet and a payment method. The smart wallet includes a wallet body provided with card grids for insertion of bank cards, a circuit board and a card reading module are also arranged on the wallet body, the card reading module includes a control chip arranged on the circuit board and a card reading information output interface, and bank card interfaces arranged in the card grids, and the control chip is connected with the card reading information output interface and a bank card interface and reads information of a bank card through the card reading information output interface and outputs to an intelligent terminal. The payment method provides a method of using an intelligent terminal to read a bank card in the smart wallet, and adopts bank regulations to complete payment. According to the smart wallet provided by the invention, read-write of the bank card inserted in the wallet is realized by use of a special card reader arranged in the wallet, thereby ensuring that the card of a user is operated in the card reader of the user himself, and eliminating a hidden danger of being unsafe.
Description
Technical field
The present invention relates to intelligent wallet field, particularly a kind of intelligent wallet of the bank card signal that can directly export in wallet.
Background technology
In daily life, people often have several bank cards and are placed in the wallet of oneself, therefrom get a bank card when using consumption and put into the cash collecting system of trade company as in the reader device of POS, some rules of bank paying are utilized to complete payment, doing easy to use is like this now general consumption and payment mode, but the card of oneself is put in others' card reader and read, and input password from others' POS main frame and then pay, make the bank card account of oneself in the hole by having a lot of chance, therefore, it is safety in order to ensure the fund in the account No. of user that acquirer and the banks etc. such as Unionpay are provided with a lot of regular object for user pays, if employing smart card also should be chip card by current bank card, by just carrying out later payment program after the mutual confirmation of POS and chip card afterwards safety, although ensure that the safety of bank card account number fund so to a certain extent.But the bank card of oneself is read by others' card reader, always has potential safety hazard.
Summary of the invention
When the present invention is directed to current people's bankcard consumption, by the bank card account potential safety hazard that the bank card of the POS brush oneself of the other side (businessman) brings, a kind of intelligent wallet is provided and utilizes this intelligent wallet to carry out the method paid, intelligent wallet is utilized directly to read the information of the bank card in wallet, carry out delivery operation by my intelligent mobile device such as mobile phone, thoroughly eliminate safe hidden trouble.
The technical solution adopted in the present invention is: a kind of intelligent wallet, comprise the wallet body being provided with the card lattice inserting bank card, described wallet body is also provided with circuit board and card reading module, described card reading module comprises setting control chip on circuit boards and Card Reader information output interface, be arranged on the bank card interface of Ka Genei, described control chip is connected with bank card interface with Card Reader information output interface respectively, reads bank card information and outputs to intelligent terminal by Card Reader information output interface.
In the present invention, utilize and the read-write of card reader special realization to the bank card be inserted in wallet is set in wallet, ensure that being stuck in the card reader of oneself of oneself operates, eliminate unsafe hidden danger.
Preferred version of the present invention comprises:
Described Card Reader information output interface comprises USB interface, and on described circuit board, described control chip connects intelligent terminal by USB interface.Described Card Reader information output interface comprises micropower wireless communication module, on described circuit board, described control chip is connected with the intelligent terminal with respective wireless communication module by micropower wireless communication module, and described micropower wireless communication module is Bluetooth wireless communication module or NFC communication module.USB interface a kind ofly uses very general interface, and intelligent terminal is as mobile phone or notebook computer, PC all can arrange USB interface substantially.Due to modern society, almost everybody has mobile phone, and on mobile phone, bluetooth module closely exhales standard configuration, and therefore, adopting bluetooth communication to realize with the communication of mobile phone is a kind of extraordinary mode.
Bank card interface comprises the contact bank card interface or NFC bank card interface that are fixed on Ka Genei.As the bank card of intelligence, have two kinds of one to be contact bank cards at present, card has some contacts, card reader blocks interior data by reading with these contact.Therefore, the bank card interface of this card reader is exactly be fixed on the inconsistent shell fragment of Ka Genei and bank card contact.Another is exactly contactless bank card, and it utilizes NFC to realize read-write.
The present invention also provides a kind of method of payment, uses intelligent terminal to be paid by above-mentioned intelligent wallet, comprises the following steps:
Steps A, set up the communication connection of the card reading module of intelligent terminal and intelligent wallet;
Step B, intelligent terminal read bank's card numbers all in intelligent wallet by card reading module;
The bank card needing to pay selected by step C, intelligent terminal, and card reading module continues to keep read-write state to selection bank card, terminates the operation to other bank card;
Step e, intelligent terminal realize establishing a communications link with banking system;
Step F, on intelligent terminal, obtaining the mandate that pays of bank card to selecting, generating and paying bill, paying the account number having payment and beneficiary in bill at least;
Step G, complete payment according to bank card payment flow;
The communication connection of the card reading module of the disconnection of step H, intelligent terminal and banking system and intelligent wallet.
In this method of payment, only special card reader is utilized to read the information of bank card at low layer, realize and mutual as between mobile phone and PC of intelligent terminal, as mobile phone and how to realize alternately between PC and banking system paying be the payment flow adopting current bank to specify.
The preferred version of this method of payment comprises: in step F, intelligent terminal generates and pays in bill, adopts the mode of the Quick Response Code of scanning gathering account number to obtain the account number of beneficiary.
Below with reference to drawings and Examples, the present invention is described in detail.
Accompanying drawing explanation
Fig. 1 is principle of the invention block diagram.
Fig. 2 is the embodiment of the present invention 1 theory diagram ().
Fig. 3 is the embodiment of the present invention 1 theory diagram (two).
Fig. 4 is the embodiment of the present invention 2 theory diagram.
Fig. 5 is process flow diagram of the present invention.
Embodiment
The present invention is a kind of intelligent wallet with bank card card reader, as shown in Figure 1, one piece of circuit board is set in wallet, certainly battery and power circuit is also needed, bank card card reader is substantially identical with other card reader such as POS here, just unlike special card reader, there is shell, because it is arranged on wallet, therefore, referred to herein as card reading module, card reading module comprises setting control chip on circuit boards and Card Reader information output interface, be arranged on the bank card interface of Ka Genei, control chip is connected with bank card interface with Card Reader information output interface respectively, read bank card information and output to intelligent terminal by Card Reader information output interface, control chip is one piece of intelligent chip, under the control of internally stored program, Card Reader information output interface can be utilized to read the bank card being inserted into Ka Genei, drive Card Reader information output interface the information of reading outwards to be sent simultaneously, in addition, because common people may have more than 1 bank card, therefore, multiple card lattice are provided with in the present invention, generally that 8 card lattice are proper, intelligent chip can also scan all card lattice, whether bank card is had in identification card lattice, or whether bank card can be read by card reading module.In addition, consider that bank card, to Intelligent Bank card future development, will have the bank card of two kinds of structures in the future, contactless bank card and contact bank card, therefore, intelligent chip can manage two kinds of bank card interfaces, i.e. the interface of contactless bank card and contact bank card.Wherein the interface of contact bank card is exactly when Ka Genei inserts bank card, the shell fragment contacted with the contact of this contact formula bank card, according to standard, there are 8 C1-C8 these contacts, wherein C1 is supply voltage VCC, C2 be reset signal RST, C3 is clock signal clk, C5 is ground GND, C7 is I/O I/O, C4, C6 and C8 are undefined, therefore, only needs 5 pieces and the shell fragment contacted with C1, C2, C3, C5, C7 respectively, wherein with C5 the shell fragment that contacts can ground wire directly on connection circuit plate, other shell fragment is connected with circuit board by wire.For contactless bank card, a kind of NFC with the interface of bank card, therefore, here require that control chip can provide the ability of control NFC, in the present embodiment, a nfc card interface can be only set, according to the read-write rule of current noncontact work smart card, each hundred such contact Intelligent Bank card has a unique sequence number, and therefore, control chip can organize the different bank card of sequence number identification by this.
Intelligent wallet in a word in the present invention, have one with the Card Reader information output interface of main frame intelligent terminal interface, this is a standard interface, intelligent terminal can be accessed the card reading module in wallet by this standard interface or be operated card reading module and be realized reading and writing the bank card be inserted in wallet, if adopt intelligent wallet of the present invention, when using bankcard consumption, do not need to use others' card reader to swipe the card, do not need bank card to take out from wallet just can realize Card Reader, therefore, potential safety hazard is eliminated.At present, Card Reader information output interface has a lot of selection, except USB interface above and Bluetooth wireless communication module, can also use the micropower wireless communication module such as such as infrared ray radio communication, Zigbee, NFC.USB interface is adopted to have a lot of benefit, as intelligent wallet can not need battery, directly obtain electricity by USB interface from mobile phone, and the information of bank card does not need to utilize electromagnetic wave in the process of passing on yet, need not worry and be obtained by other terminal, but weak point needs a USB line to connect smart mobile phone and intelligent wallet.Here adopt the micropower wireless communication modules such as Bluetooth wireless communication module to carry out data transmission, also the safety problem that electromagnetic wave transmitting range can not be too far away is considered, if battery ripple passes on bank card information apart from distant, be there is by other intelligent terminal for reception of corresponding micropower wireless communication module unavoidably, cause danger.Certainly, the present invention can also add encrypting module in intelligent wallet, intelligence wallet micropower wireless communication modules such as utilizing Bluetooth wireless communication module carry out data transmission carry out transmission bank card data time, first these data are encrypted, be decrypted at smart mobile phone end, like this, can reduce owing to transmitting the chance causing bank card data to be divulged a secret.
The theory diagram of embodiments of the invention 1 as shown in Figure 2 and Figure 3, in the present embodiment, intelligent terminal can be the mobile phone that can join on internet, IPAD, notebook circuit or other PC etc., adopt USB interface as Card Reader information output interface can with current most terminal interface.In the present embodiment, Card Reader information output interface is USB interface, on wallet body, USB interface can be arranged on a side of wallet body, after utilizing USB interface to be connected with intelligent terminal, directly can obtain electricity from intelligent terminal, such control chip directly wakes up and enters duty, intelligent terminal arranges the driver module driving card reading module, like this, card reading module in wallet starts to scan all card lattice under the control of intelligent terminal, carries out reading bank card operation according to different bank cards.
As shown in Figure 4, in the present embodiment, Card Reader information output interface is Bluetooth wireless communication module to embodiment 3, and intelligent terminal adopts bluetooth cellular phone, is connected with the card reading module in wallet by Bluetooth wireless communication mode.The consumption flow process of the present embodiment is as shown in Figure 5:
Before swiping the card, mobile phone is provided with the bank APP utilizing bank card to pay and the application program controlled card reader module Card Reader by bluetooth communication realization.
When carrying out swiping the card payment, first, mobile phone and wallet realize communicating to connect to code by bluetooth, certainly, if adopt USB interface, directly utilize USB line the USB interface of mobile phone to be connected with the USB interface on wallet.
Secondly, mobile phone reads bank's card numbers all in intelligent wallet by card reading module, this is by communicating with control chip, utilizing control chip to stick into the branch being inserted into each Ka Genei of wallet, line scanning completes, due to the present embodiment is smart mobile phone, there is in card reading module powerful control chip, can complete and all Ka Genei are scanned, to whether having bank card or contact bank card, hundred contact bank cards, control chip can identify, all bank's card numbers can be collected like this, mobile phone is sent to by bluetooth communication, in practical operation process, only can be sent to mobile phone by last four of bank card, if during operation, also wonder the remaining sum in each bank card, also mobile phone is sent to after can being read by card reading module, mobile phone list display on a display screen, it is very easy that those skilled in the art will complete such APP.
Then on mobile phone, select the bank card needing to pay, can select according to the wish of user oneself, certain user can reference bank card account on remaining sum make one's options, smart mobile phone is sent to by bluetooth communication, the card reading module of smart mobile phone continues to keep read-write state to selection bank card, terminates the operation to other bank card; This can be completed by control chip, as the power supply of the contact bank card by keeping and select, and disconnect the power supply of other contact bank card, the direct information of nonoptional contactless bank card at control chip place screen for contactless bank card, what only retain the contactless bank folding selected is sent to mobile phone for information about.
Now, intelligent terminal realizes establishing a communications link with banking system; In reciprocal process, obtain the mandate that the bank card selected is paid, generate and pay bill, pay the account number having payment and beneficiary in bill at least.Operator can according to the prompting of beneficiary, the account number of collecting account is directly inputted when generating and paying bill, and input payment, also other communication mode can be passed through, as scanned the Quick Response Code of the gathering bill that beneficiary generates, the gathering bill received is converted to payment bill, and current this part has a lot of mode to realize.
Then, payment is completed according to bank card payment flow; According to the difference of used bank card, adopt the regulation of bank, realize paying.
Finally, the communication connection of the card reading module of mobile phone disconnection and banking system and intelligent wallet.Complete a payment.
Claims (9)
1. an intelligent wallet, comprise the wallet body being provided with the card lattice inserting bank card, it is characterized in that: on described wallet body, be also provided with circuit board and card reading module, described card reading module comprises setting control chip on circuit boards and Card Reader information output interface, be arranged on the bank card interface of Ka Genei, described control chip is connected with bank card interface with Card Reader information output interface respectively, reads bank card information and outputs to intelligent terminal by Card Reader information output interface.
2. intelligent wallet according to claim 1, is characterized in that: described Card Reader information output interface comprises USB interface, and on described circuit board, described control chip connects intelligent terminal by USB interface.
3. intelligent wallet according to claim 1, it is characterized in that: described Card Reader information output interface comprises micropower wireless communication module, on described circuit board, described control chip is connected with the intelligent terminal with respective wireless communication module by micropower wireless communication module.
4. intelligent wallet according to claim 3, is characterized in that: described micropower wireless communication module is Bluetooth wireless communication module or NFC communication module.
5. intelligent wallet according to claim 1, is characterized in that: described bank card interface comprises the contact bank card interface or NFC bank card interface that are fixed on Ka Genei.
6., according to described intelligent wallet arbitrary in claim 1 to 5, it is characterized in that: described intelligent terminal is mobile phone.
7., according to described intelligent wallet arbitrary in claim 1 to 5, it is characterized in that: described intelligent terminal is PC.
8. a method of payment, is characterized in that, uses intelligent terminal to be paid by intelligent wallet arbitrary in claim 1 to 5, comprises the following steps:
Steps A, set up the communication connection of the card reading module of intelligent terminal and intelligent wallet;
Step B, intelligent terminal read bank's card numbers all in intelligent wallet by card reading module;
The bank card needing to pay selected by step C, intelligent terminal, and card reading module continues to keep read-write state to selection bank card, terminates the operation to other bank card;
Step e, intelligent terminal realize establishing a communications link with banking system;
Step F, on intelligent terminal, obtaining the mandate that pays of bank card to selecting, generating and paying bill, paying the account number having payment and beneficiary in bill at least;
Step G, complete payment according to bank card payment flow;
The communication connection of the card reading module of the disconnection of step H, intelligent terminal and banking system and intelligent wallet.
9. method of payment according to claim 8, is characterized in that: in step F, intelligent terminal generates and pays in bill, adopts the mode of the Quick Response Code of scanning gathering account number to obtain the account number of beneficiary.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510183043.2A CN104820923A (en) | 2015-04-17 | 2015-04-17 | Smart wallet and payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510183043.2A CN104820923A (en) | 2015-04-17 | 2015-04-17 | Smart wallet and payment method |
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| CN104820923A true CN104820923A (en) | 2015-08-05 |
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| CN201510183043.2A Pending CN104820923A (en) | 2015-04-17 | 2015-04-17 | Smart wallet and payment method |
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Cited By (6)
| 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 |
| CN105815904A (en) * | 2015-12-22 | 2016-08-03 | 李珉玮 | Intelligent wallet with mobile payment function |
| CN106446744A (en) * | 2016-09-30 | 2017-02-22 | 金邦达有限公司 | Identification chip circuit board, intelligent card storage apparatus, intelligent card system, and work attendance system |
| CN106617604A (en) * | 2016-10-20 | 2017-05-10 | 盛摩电子科技（上海）有限公司 | Multifunctional case intelligent monitoring card based on wireless network |
| CN108604342A (en) * | 2017-01-20 | 2018-09-28 | 华为技术有限公司 | Based on the NFC methods carried out data transmission and mobile device |
| CN108898384A (en) * | 2018-07-06 | 2018-11-27 | 深圳西龙同辉技术股份有限公司 | A kind of digital wallet and its application method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106446744A (en) * | 2016-09-30 | 2017-02-22 | 金邦达有限公司 | Identification chip circuit board, intelligent card storage apparatus, intelligent card system, and work attendance system |
| CN106617604A (en) * | 2016-10-20 | 2017-05-10 | 盛摩电子科技（上海）有限公司 | Multifunctional case intelligent monitoring card based on wireless network |
| CN108604342A (en) * | 2017-01-20 | 2018-09-28 | 华为技术有限公司 | Based on the NFC methods carried out data transmission and mobile device |
| CN108604342B (en) * | 2017-01-20 | 2022-04-12 | 华为技术有限公司 | NFC-based data transmission method and mobile device |
| CN108898384A (en) * | 2018-07-06 | 2018-11-27 | 深圳西龙同辉技术股份有限公司 | A kind of digital wallet and its application method |
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Application publication date: 20150805 |
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