CN104992327A - RFID-SIM-based mobile phone-associated bank self-service terminal system - Google Patents
RFID-SIM-based mobile phone-associated bank self-service terminal system Download PDFInfo
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- CN104992327A CN104992327A CN201510358247.5A CN201510358247A CN104992327A CN 104992327 A CN104992327 A CN 104992327A CN 201510358247 A CN201510358247 A CN 201510358247A CN 104992327 A CN104992327 A CN 104992327A
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- 238000004891 communication Methods 0.000 claims abstract description 44
- 239000011229 interlayer Substances 0.000 claims abstract description 4
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- 238000003860 storage Methods 0.000 claims description 9
- 230000003993 interaction Effects 0.000 claims description 4
- 238000009826 distribution Methods 0.000 claims description 3
- 238000003780 insertion Methods 0.000 abstract 1
- 238000000034 method Methods 0.000 description 11
- 238000005516 engineering process Methods 0.000 description 6
- 244000144972 livestock Species 0.000 description 3
- 230000000694 effects Effects 0.000 description 2
- 230000005672 electromagnetic field Effects 0.000 description 2
- 230000001737 promoting Effects 0.000 description 2
- 238000010200 validation analysis Methods 0.000 description 2
- 238000006243 chemical reaction Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 239000003814 drug Substances 0.000 description 1
- 230000029578 entry into host Effects 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
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- 229910052737 gold Inorganic materials 0.000 description 1
- 239000007943 implant Substances 0.000 description 1
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- 238000010295 mobile communication Methods 0.000 description 1
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING; COUNTING
- G06Q—DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING; COUNTING
- G06Q—DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
Abstract
The invention discloses an RFID-SIM-based mobile phone-associated bank self-service terminal system, including: a server terminal device; a mobile phone in which a first card slot and a second card slot are arranged, a communication SIM card being inserted in the first card slot, and a bank smart card being inserted in the second card slot; and a shielding door which is arranged around the server terminal device and on which a signal shielding interlayer used for defining an identification area of an identification module is arranged. According to the RFID-SIM-based mobile phone-associated bank self-service terminal system provided by the invention, the mobile phone is wirelessly connected with the server terminal device, after password authentication, communication can be realized, a function of withdrawing cash without a bank card and insertion of the card is realized on the server terminal device, thereby bringing much convenience to a user, working frequency bands of the bank smart card and the communication SIM card are different, and mutual interference does not occur.
Description
Technical field
The present invention relates to less radio-frequency field of terminal technology, particularly a kind of mobile phone association formula self service terminal of bank system based on RFID-SIM.
Background technology
Radio-frequency (RF) identification (RFID) is a kind of wireless communication technology, can read and write related data by radio signals identification specific objective, and without the need to setting up machinery or optical contact between recognition system and specific objective.
Wireless signal is the electromagnetic field by furnishing radio frequency, and data are sent out from the label be attached to article, with automatic Identification and these article of tracking.The elect magnetic field that some label sends from recognizer when identifying just can obtain energy, does not need battery; Also there is label itself to have power supply, and initiatively can send radiowave (electromagnetic field of furnishing radio frequency).Label contains the information of Electronic saving, can identify within several meters.With bar code unlike, radio-frequency (RF) tag does not need to be within recognizer sight line, can embed within tracked object yet.
Many industries have all used REID.Label is attached to an automobile just aborning, this car progress on a production line just can be followed the trail of by manufacturer.The place of medicine can be followed the trail of in warehouse.Radio-frequency (RF) tag also can invest on livestock and pet, facilitates the positive identification (actively identify and be meant to prevent several livestocks from using same identity) to livestock and pet.The identification card of radio-frequency (RF) identification can make employee be entered the building part of pinning, and the radio frequency transponder on automobile also can be used for imposing the expense in charging section and parking lot.
Some radio-frequency (RF) tag is attached on clothing, personal effects, even within implant into body.Because this technology may read personal information when permitting without me, this technology also has invasion of privacy suffering.
Under the common driving that technology, market and wireless mobile applied business develop, wireless mobile communications industry development is rapid, mobile communication product has become the necessary article of people's routine work, life, along with the continuous increase of cellphone subscriber's quantity, from strength to strength, in prior art, mobile phone can as the card swiping terminal of communication terminal, Mobile banking's terminal, small amount for cell-phone function, the service of this all-purpose card formula, can provide numerous facility for user.
And at present, mobile phone can't realize the function of enchashment gold, user must carry bank and snap into bank outlets and go to withdraw cash, and do not carry bank card once user, user cannot withdraw cash, and brings numerous inconvenience to user.
Summary of the invention
For above-mentioned technical matters, the invention discloses a kind of based on RFID without the need to card insert type self service terminal of bank system, integrated installation in mobile phone is adopted to have bank intelligent card and communication SIM card, with bank's account information of user in bank intelligent card, by mobile phone and server terminal device wireless connections, after password authentification, communication can be realized, server terminal device realizes without the need to bank card and the function just can withdrawn cash without the need to plug-in card, numerous facility is brought to user, bank intelligent card is different with the working frequency range of communication SIM card, mutual interference can not be produced.
In order to realize according to object of the present invention, provide a kind of mobile phone association formula self service terminal of bank system based on RFID-SIM, comprising:
Server terminal device, its distribution is arranged on several places, described server terminal device inside is integrated with central processing unit, display interface, input keyboard, Cashier and identification module, described central processing unit is connected with bank network communication, described identification module and described central processing unit communicate to connect, and described identification module comprises wireless transmission/receiver module, information authentication module and microprocessor;
Mobile phone, the first draw-in groove and the second draw-in groove is provided with in it, communication SIM card is plugged in described first draw-in groove, bank intelligent card is provided with in described second draw-in groove, safety chip and data storage element is provided with in described bank intelligent card, bank's account information of subscriber identity information and user is integrated with in described data storage element, communications protocol and the secret key of communication is provided with in described safety chip, cell phone processor is provided with in described mobile phone, Anneta module, radio frequency interface module and frequency-variable module, described Anneta module is connected with described radio frequency interface module, described radio frequency interface module respectively with described frequency-variable module, cell phone processor connects, described frequency-variable module is connected with described safety chip, described safety chip is connected with described data storage element, described safety chip is communicated to connect by agreement and described microprocessor,
Shield door, it is arranged on around described server terminal device, described shield door is provided with signal shielding interlayer, for dividing the identified region of described identification module.
Preferably, described shield door is provided with the switch that automatically latches, the described switch that automatically latches is connected with microprocessor communication, described automatically latch action time, described microprocessor controls described wireless transmission/receiver module and sends card seeking instruction.
Preferably, be provided with power management module in described mobile phone, its input end is connected with battery of mobile phone, and the output terminal of described power management module is connected with described first draw-in groove and the second draw-in groove respectively.
Preferably, it is characterized in that, described power management module is connected with described second draw-in groove by on-off circuit, and the control end of described on-off circuit is connected with described radio frequency interface module.
Preferably, described input keyboard and described display interface are connected with described central processing unit communication respectively, described display interface are provided with multiple choices dialog box, and described display interface is touch interaction interface.
Preferably, described cell phone processor is connected with described battery and described radio frequency interface module respectively.
Preferably, receiving circuit and transtation mission circuit is provided with in described radio frequency interface module, described Anneta module is connected with receiving circuit and transtation mission circuit simultaneously, an output terminal of described receiving circuit is connected with described on-off circuit, and described receiving circuit and transtation mission circuit are connected with described frequency-variable module and cell phone processor respectively.
Preferably, described frequency-variable module adopts identical frequency of operation with described wireless transmission/receiver module, and described frequency-variable module is different from the frequency of operation of described mobile phone.
Preferably, in described information authentication module, be provided with the secret key of checking of described agreement, in described safety chip, be provided with the secret key of communication of described agreement.
Preferably, in described microprocessor, include selection instruction, in described safety chip, include response instruction.
The present invention at least comprises following beneficial effect:
1, the present invention can realize the enchashment function of mobile phone, and mobile phone can realize communication and enchashment function simultaneously, and user only needs carrying mobile phone can obtain cash, safe and convenient on the self-help drawing money machine of any bank outlets;
2, mobile phone can only obtain communication with server terminal device in the region of regulation, not easily by others' steal information in process of exchange, safe and reliable;
3, user just can withdraw cash without the need to plug-in card, eliminates and easily bank card is forgotten the risk causing wealth stolen in server terminal device;
4, take full advantage of mobile phone firmware resource, too much burden can not be increased to mobile phone, simply to realize, there is promotional value widely.
Part is embodied by explanation below by other advantage of the present invention, target and feature, part also will by research and practice of the present invention by those skilled in the art is understood.
Accompanying drawing explanation
Fig. 1 is the structural representation of described interior of mobile phone;
Fig. 2 is the structural representation of described server terminal device;
Fig. 3 is the syndeton schematic diagram of first, second draw-in groove described and described battery.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in further detail, can implement according to this with reference to instructions word to make those skilled in the art.
Should be appreciated that used hereinly such as " to have ", other element one or more do not allotted in " comprising " and " comprising " term or the existence of its combination or interpolation.
As illustrated in fig. 1 and 2 be a kind of way of realization according to the mobile phone association formula self service terminal of bank system based on RFID-SIM of the present invention, comprising:
Server terminal device, its distribution is arranged on several places, each server terminal device can identify the bank intelligent card of different bank, described server terminal device inside is integrated with central processing unit, display interface, input keyboard, Cashier and identification module, described central processing unit is connected with bank network communication, described identification module and described central processing unit communicate to connect, central processing unit is for the treatment of the information interaction between server terminal device and bank intelligent card, complete process of exchange, display interface is for showing Transaction Information, complete transactional operation, Cashier is for receiving and paying out cash, identification module is used for obtaining communication with bank intelligent card and is connected, mutual secret key checking, described identification module comprises wireless transmission/receiver module, information authentication module and microprocessor, as shown in Figure 2,
Mobile phone, the first draw-in groove and the second draw-in groove is provided with in it, communication SIM card is plugged in described first draw-in groove, realize normal communication function, bank intelligent card is provided with in described second draw-in groove, for realizing enchashment function, safety chip and data storage element is provided with in described bank intelligent card, bank's account information of subscriber identity information and user is integrated with in described data storage element, communications protocol and the secret key of communication is provided with in described safety chip, for being connected with the communication of setting up encryption between server terminal device, cell phone processor is provided with in described mobile phone, Anneta module, radio frequency interface module and frequency-variable module, described Anneta module is connected with described radio frequency interface module, described radio frequency interface module respectively with described frequency-variable module, cell phone processor connects, described frequency-variable module is connected with described safety chip, described safety chip is connected with described data storage element, described safety chip is communicated to connect by agreement and described microprocessor,
Shield door, it is arranged on around described server terminal device, shield door forms a closed space, by being provided with a dodge gate on shield door, described shield door is provided with signal shielding interlayer, for dividing the identified region of described identification module, server terminal device can only identify bank intelligent card in identified region, prevents the interference of external signal, simultaneously, prevent accounts information to propagate into outside identified region, effectively prevent information leakage.
In technique scheme, the dodge gate of described shield door is provided with the switch that automatically latches, the described switch that automatically latches is connected with microprocessor communication, described automatically latch action time, when namely having user to pass in and out shield door, described microprocessor controls described wireless transmission/receiver module and sends card seeking instruction, also selection instruction is included in described microprocessor, response instruction is included in described safety chip, microprocessor sends card seeking instruction, after bank intelligent card receives card seeking instruction, safety chip sends response instruction to microprocessor, the display interface of server terminal device shows several bank intelligent cards be identified, user selects a bank intelligent card on display interface, send selection instruction to bank intelligent card simultaneously, namely bank intelligent card achieves after receiving selection instruction and is connected with the communication of server terminal device.
In technique scheme, power management module is provided with in described mobile phone, its input end is connected with battery of mobile phone, battery is connected with cell phone processor and mobile phone display screen, the output terminal of described power management module is connected with described first draw-in groove and the second draw-in groove respectively, for communication SIM card and bank intelligent card are powered, as shown in Figure 3.
In technique scheme, described power management module is connected with described second draw-in groove by on-off circuit, the control end of described on-off circuit is connected with described radio frequency interface module, after bank intelligent card receives card seeking instruction, radio frequency interface module gauge tap closing of circuit turn-on power administration module and bank intelligent card, thus power on to bank intelligent card, the answer signal that bank intelligent card returns, when mobile phone normally works at ordinary times, on-off circuit is in off-state, bank intelligent card is in power failure state, save the electric power of mobile phone, protect the information of bank intelligent card not to be stolen simultaneously.
In technique scheme, described server terminal device is also provided with magnetic stripe and reads window, described magnetic stripe reads window and is connected with described central processing unit communication, described bank label card is provided with magnetic stripe in appearance, described magnetic stripe is connected with described safety chip communication, server terminal device is provided with plug-in card trading function simultaneously, to the many selections of user.Described input keyboard and described display interface are connected with described central processing unit communication respectively, described display interface is provided with multiple choices dialog box, and described display interface is touch interaction interface, user can complete transactional operation by clicking appliance for releasing single dialog box out, safe ready, meanwhile, the secret key of bank validation can be inputted by input keyboard, also can complete transaction by the secret key of input validation on mobile phone.
In technique scheme, described cell phone processor respectively with described battery and described radio frequency interface module, as shown in Figure 1.
In technique scheme, receiving circuit and transtation mission circuit is provided with in described radio frequency interface module, described Anneta module is connected with receiving circuit and transtation mission circuit simultaneously, an output terminal of described receiving circuit is connected with described on-off circuit, described receiving circuit and transtation mission circuit are connected with described frequency-variable module and cell phone processor respectively, communication SIM card is directly connected with radio frequency interface module, bank intelligent card is connected with radio frequency interface module by frequency-variable module, the receipts of information are carried out after frequency-variable module frequency conversion, send out, thus make described frequency-variable module different from the frequency of operation of described mobile phone, the work between communication SIM card and bank intelligent card is avoided mutually to disturb.
In technique scheme, described frequency-variable module adopts identical frequency of operation with described wireless transmission/receiver module, guarantees that server terminal device and bank intelligent card normally can complete communication.
In technique scheme, the secret key of checking of described agreement is provided with in described information authentication module, the secret key of communication of described agreement is provided with in described safety chip, server terminal device and bank intelligent card realize after communication is connected, bank intelligent card sends the secret key of communication by safety chip to server terminal device, after server terminal device receives the secret key of communication, by the secret key of input keyboard incoming traffic, send to bank intelligent card, bank intelligent card is verified after receiving communication, identical with the secret key of checking, be proved to be successful, namely server terminal device and bank intelligent card have established transaction security passage, relationship trading can be carried out, after having concluded the business, server terminal device and bank intelligent card disconnect.
From the above mentioned, the present invention can realize the enchashment function of mobile phone, and mobile phone can realize communication and enchashment function simultaneously, and user only needs carrying mobile phone can obtain cash, safe and convenient on the self-help drawing money machine of any bank outlets; Mobile phone can only obtain communication with server terminal device in the region of regulation, not easily by others' steal information in process of exchange, safe and reliable; User just can withdraw cash without the need to plug-in card, eliminates and easily bank card is forgotten the risk causing wealth stolen in server terminal device; Meanwhile, take full advantage of mobile phone firmware resource, too much burden can not be increased to mobile phone, simply to realize, there is promotional value widely.
Although embodiment of the present invention are open as above, but it is not restricted to listed in instructions and embodiment utilization, it can be applied to various applicable the field of the invention completely, for those skilled in the art, can easily realize other amendment, therefore do not deviating under the universal that claim and equivalency range limit, the present invention is not limited to specific details and illustrates here and the legend described.
Claims (10)
1., based on a mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, comprising:
Server terminal device, its distribution is arranged on several places, described server terminal device inside is integrated with central processing unit, display interface, input keyboard, Cashier and identification module, described central processing unit is connected with bank network communication, described identification module and described central processing unit communicate to connect, and described identification module comprises wireless transmission/receiver module, information authentication module and microprocessor;
Mobile phone, the first draw-in groove and the second draw-in groove is provided with in it, communication SIM card is plugged in described first draw-in groove, bank intelligent card is provided with in described second draw-in groove, safety chip and data storage element is provided with in described bank intelligent card, bank's account information of subscriber identity information and user is integrated with in described data storage element, communications protocol and the secret key of communication is provided with in described safety chip, cell phone processor is provided with in described mobile phone, Anneta module, radio frequency interface module and frequency-variable module, described Anneta module is connected with described radio frequency interface module, described radio frequency interface module respectively with described frequency-variable module, cell phone processor connects, described frequency-variable module is connected with described safety chip, described safety chip is connected with described data storage element, described safety chip is communicated to connect by agreement and described microprocessor,
Shield door, it is arranged on around described server terminal device, described shield door is provided with signal shielding interlayer, for dividing the identified region of described identification module.
2. as claimed in claim 1 based on RFID without the need to card insert type self service terminal of bank system, it is characterized in that, described shield door is provided with the switch that automatically latches, the described switch that automatically latches is connected with microprocessor communication, described automatically latch action time, described microprocessor controls described wireless transmission/receiver module and sends card seeking instruction.
3. as claimed in claim 1 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, power management module is provided with in described mobile phone, its input end is connected with battery of mobile phone, and the output terminal of described power management module is connected with described first draw-in groove and the second draw-in groove respectively.
4. as claimed in claim 3 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, described power management module is connected with described second draw-in groove by on-off circuit, and the control end of described on-off circuit is connected with described radio frequency interface module.
5. as claimed in claim 4 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, described input keyboard and described display interface are connected with described central processing unit communication respectively, described display interface is provided with multiple choices dialog box, and described display interface is touch interaction interface.
6., as claimed in claim 5 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, described cell phone processor is connected with described battery and described radio frequency interface module respectively.
7. as claimed in claim 6 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, receiving circuit and transtation mission circuit is provided with in described radio frequency interface module, described Anneta module is connected with receiving circuit and transtation mission circuit simultaneously, an output terminal of described receiving circuit is connected with described on-off circuit, and described receiving circuit and transtation mission circuit are connected with described frequency-variable module and cell phone processor respectively.
8. as claimed in claim 7 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, described frequency-variable module adopts identical frequency of operation with described wireless transmission/receiver module, and described frequency-variable module is different from the frequency of operation of described mobile phone.
9., as claimed in claim 8 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, in described information authentication module, be provided with the secret key of checking of described agreement, in described safety chip, be provided with the secret key of communication of described agreement.
10., as claimed in claim 9 based on the mobile phone association formula self service terminal of bank system of RFID-SIM, it is characterized in that, in described microprocessor, include selection instruction, in described safety chip, include response instruction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510358247.5A CN104992327B (en) | 2015-06-25 | 2015-06-25 | A kind of mobile phone association formula self service terminal of bank system based on RFID-SIM |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510358247.5A CN104992327B (en) | 2015-06-25 | 2015-06-25 | A kind of mobile phone association formula self service terminal of bank system based on RFID-SIM |
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| CN104992327A true CN104992327A (en) | 2015-10-21 |
| CN104992327B CN104992327B (en) | 2018-10-26 |
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Cited By (1)
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| CN105046840A (en) * | 2015-06-25 | 2015-11-11 | 苏州木兰电子科技有限公司 | RFID (radio frequency identification)-based non-plug-in type bank self-service terminal system |
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| CN104992327B (en) | 2018-10-26 |
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