CN106326790A - Account verification device and method - Google Patents
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- CN106326790A CN106326790A CN201510386379.9A CN201510386379A CN106326790A CN 106326790 A CN106326790 A CN 106326790A CN 201510386379 A CN201510386379 A CN 201510386379A CN 106326790 A CN106326790 A CN 106326790A
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- 238000000034 method Methods 0.000 title claims abstract description 23
- 238000004891 communication Methods 0.000 claims abstract description 63
- 230000005540 biological transmission Effects 0.000 claims abstract description 16
- 230000002596 correlated effect Effects 0.000 claims description 4
- 230000002093 peripheral effect Effects 0.000 abstract 3
- 238000010586 diagram Methods 0.000 description 8
- 230000008569 process Effects 0.000 description 8
- 238000004590 computer program Methods 0.000 description 6
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- 238000012545 processing Methods 0.000 description 5
- 238000005516 engineering process Methods 0.000 description 3
- 238000004364 calculation method Methods 0.000 description 1
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- 230000010365 information processing Effects 0.000 description 1
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Abstract
The invention discloses an account verification device and method. The device comprises a storage module, a card reading module, a communication module and a main control module, wherein the storage module is used for storing information related to account verification; the card reading module is used for reading the information related to account verification; the communication module is used for carrying out information transmission with peripheral equipment; the main control module is used for reading the information related to account verification from the storage module when information related to an account of an account card is not read, and transmitting the information related to account verification to the peripheral equipment by the communication module; and when the information related to the account of the account card is read, carrying out verification on the information related to the account, and then transmitting the information related to the account to the peripheral equipment by the communication module.
Description
Technical field
The present invention relates to communication technical field, particularly relate to a kind of account verification apparatus and method.
Background technology
Along with the development of communication technology, mobile payment market is in a rapid growth period, on line and line
Lower payment technical field occurs in that various payment technology and scheme, and its center line pays around mobile terminal exhibition
The application mode opened gets more and more, and application scheme currently mainly is also around the more of Third-party payment,
Such as Alipay, wechat etc., but Third-party payment lacks perfect security mechanism, has occurred a lot of stealing payment
The financial crime case of precious remaining sum, causes bigger loss to consumer.
Bank is the problem solving to pay on mobile terminal line, have at present release audio frequency key, bluetooth key,
The solution of mPOS etc, to personal identification when audio frequency key and bluetooth key are to use payment transaction
Certification, guarantees safety, and its core concept is that the certification by personal identification determines bound account
The authority of consumption, but a bluetooth key device can only bind a bank account, it is impossible to support that multi-bank is many
Account;MPOS is to complete to pay by acquisition card image of directly swiping the card, but lacks and enter personal identification
Row certification, there is certain hidden danger in safety.
Summary of the invention
For solving the technical problem of existing existence, embodiment of the present invention expectation provide a kind of account verification device and
Method, can guarantee safe payment while transaction, can support again many card payment transactions, again can be to personal identification
Being authenticated, to carry convenient simultaneously.
For achieving the above object, the present invention provides a kind of account verification device, and this device includes: storage
Module, card reading module, communication module and main control module;Wherein,
Memory module, is used for storing account verification relevant information;
Card reading module, is used for reading account-related information;
Communication module, for carrying out information transmission with external equipment;
Main control module, for when not reading account card account-related information, reads from described memory module
Take account verification relevant information, transmitted to external equipment by described communication module;When reading account card account
During the relevant information of family, account relevant information is verified, afterwards by described communication module by described account
Family relevant information is transmitted to external equipment;
Described memory module, card reading module and communication module are all connected with main control module.
In such scheme, described card reading module includes:
Contact card reading unit, for reading the account-related information in account card in a contact fashion.
In such scheme, described card reading module includes:
Noncontact card reading unit, for reading the account-related information in account card in a non-contact manner.
In such scheme, described communication module includes:
Wireless communication unit, for carrying out information transmission by wireless communication link and external equipment.
In such scheme, described communication module includes:
Landline communication unit, for carrying out information transmission by wired communications links and external equipment.
In such scheme, described main control module includes:
Finance key mode unit, for when described card reading module does not returns account-related information, from described
Memory module reads account verification relevant information, is transmitted to external equipment by described communication module;
Swipe the card mode unit, for when described card reading module returns account-related information, the account being correlated with
Information is verified, is transmitted described account-related information to external equipment by described communication module afterwards.
In such scheme, described device also includes:
Display module, the relevant information during showing account verification, it is connected with main control module.
In such scheme, described device also includes:
Key-press module, for receiving the input button operation of user, is connected with main control module.
In such scheme, described device also includes:
Power module, for providing electric energy for other modules in account verification device, and carries out power management.
The present invention also provides for a kind of account verification method, when external equipment sends account verification request, described
Method includes:
Detect whether to read the account-related information of account card;
When not reading account card account-related information, from the memory module of self, read account verification phase
Pass information, transmission to described external equipment;
When reading account card account-related information, account relevant information is verified, transmits afterwards
To described external equipment.
The account verification apparatus and method that the embodiment of the present invention is provided, can be by relevant for specific account verification letter
Breath is stored in the memory module of self so that also can carry out account verification when not having other account cards, with
Time be integrated with card reading module, the account-related information of other account cards can be read, carry out account verification.?
One device both achieved finance key function, had achieved again mPOS function, and the profile of this device
Size can be made into little with standard ISO7810 card difference, and length and width is respectively greater than card approximate number li
Within meter, within thickness approximate number opens card thickness, it is simple to carry.
Accompanying drawing explanation
The structural representation of the account verification device that Fig. 1 provides for the embodiment of the present invention;
The account verification method that Fig. 2 provides for the embodiment of the present invention realize schematic flow sheet;
The account verification device that Fig. 3 a-3b provides for embodiment of the present invention connection under a kind of application scenarios is closed
It it is schematic diagram.
Detailed description of the invention
In order to be illustrated more clearly that the embodiment of the present invention and technical scheme, below in conjunction with drawings and Examples pair
Technical scheme is described in detail, it is clear that described embodiment is of the present invention
Divide embodiment rather than whole embodiment.Based on embodiments of the invention, those of ordinary skill in the art exist
The every other embodiment obtained on the premise of not paying creative work, broadly falls into the model of present invention protection
Enclose.
The account verification device that the embodiment of the present invention provides has two kinds of mode of operations, and one is finance key pattern,
The information needed for account verification is provided to external equipment by account verification device;Another kind is the pattern of swiping the card, account
Family checking device reads account card, obtains accounts information and the authentication information of account card, provides to external equipment.
The structural representation of the account verification device that Fig. 1 provides for the embodiment of the present invention, as it is shown in figure 1, should
Device includes: memory module 101, card reading module 102, communication module 103 and main control module 104;Wherein,
Memory module 101, is used for storing account verification relevant information;
Card reading module 102, is used for reading account card account-related information;
Communication module 103, for carrying out information transmission with external equipment;
Main control module 104, for when not reading account card account-related information, from described memory module
Middle reading account verification relevant information, is transmitted to external equipment by described communication module;When reading account
During card account-related information, account relevant information is verified, afterwards by described communication module by institute
State account-related information to transmit to external equipment;
Wherein, memory module 101, card reading module 102 and communication module 103 are all with main control module 104 even
Connect.
Here, described account card can be the bank card of the credit card, deposit card etc, it is also possible to be access card,
The storage such as attendance card, member card has the electronic cards of accounts information.
Additionally, main control module is additionally operable to information processing, data encrypting and deciphering, task process and Control on Communication etc.;
Wherein, the data encrypting and deciphering of main control module refers mainly to be encrypted personal identification information such as private key etc.,
After admission personal identification information, information is encrypted;The encryption data being transmitted through backstage such as identity is recognized
Card data are decrypted.
Concrete, the account verification relevant information of memory module 101 storage includes: bank account information, individual
People's signing certificate, safe key etc..When account verification device is under finance key pattern, main control module
104 read account verification relevant information from memory module 101, by communication module 103 transmission to outside
Equipment.Memory module 101 can be independent memory element, it is also possible to main for realizing in account verification device
Memory element inside the chip of control module, can be realized by various memorizeies or storage medium.
Further, in above-mentioned account verification device, card reading module 102 comprises the steps that contact card reading unit,
For reading the account-related information in account card in a contact fashion.
Concrete, contact card reading unit can be that standard ISO7810 card reads unit, wherein can include mark
Quasi-ISO7816 draw-in groove, and/or for clasping the buckle of standard ISO7810 card.Here, ISO7810 is
Codes and standards to card, ISO7816 is the standard of an interface.
Further, in above-mentioned account verification device, card reading module 102 may also comprise: noncontact Card Reader list
Unit, for reading the account-related information in account card in a non-contact manner.
Concrete, noncontact card reading unit can be noncontact 13.56M card reading unit.
In one embodiment, contact card reading unit and noncontact card reading unit can be concurrently present in an account
In the card reading module 102 of family checking device.
When account verification device is under the pattern of swiping the card, card reading module 102 reads the account of account card and is correlated with
Information sends to main control module 104, after account relevant information is verified by main control module 104, logical
Cross communication module 103 to transmit to external equipment.Here, described account-related information includes: the account of account card
Family information and authentication information, wherein, account confidence includes: the information such as account, account name, the account amount of money.
Further, in above-mentioned account verification device, communication module 103 includes: wireless communication unit, uses
In carrying out information transmission by wireless communication link and external equipment.
Concrete, wireless communication unit can be bluetooth-communication unit, including: radio-frequency antenna, coupling
Network subelement and Bluetooth modulation demodulation subelement.
It is single that wireless communication unit can also include that other wireless communication protocols such as such as WIFI, Zigbee etc. realize
Unit.
Further, in above-mentioned account verification device, communication module 103 includes: Landline communication unit, uses
In carrying out information transmission by wired communications links and external equipment.
Concrete, Landline communication unit can be usb communication unit, including: USB interface and USB
Protocol controller.
Landline communication unit can also include that such as PS/2, other wired communication interfaces such as 1394 realize unit.
In one embodiment, wireless communication unit and Landline communication unit can be concurrently present in an account
In the communication module 103 of checking device, it is responsible for and such as mobile phone, panel computer (Pad) wireless communication unit
Set up communication connection Deng mobile terminal device, Landline communication unit be responsible for and ordinary personal computers (PC)
Communication connection is set up Deng line.
Further, in above-mentioned account verification device, main control module 104 includes:
Finance key mode unit, for when card reading module 102 does not returns account-related information, from storage
Module 101 reads account verification relevant information, is transmitted to external equipment by communication module 103;
Swipe the card mode unit, for when card reading module 102 returns account-related information, the account is correlated with
Information carries out verifying (), is transmitted described account-related information to external equipment by communication module 103 afterwards.
Wherein, in account-related information containing account name in an account book and signing messages etc., account relevant information is carried out
Checking includes: the signing messages inside deciphering card;The account number obtained the information such as name in an account book;To be signed by deciphering
Name acquisition of information to account number name in an account book and acquisition account number name in an account book compare, thus realize verifying.
In actual applications, main control module 104 can be by the central processing unit being positioned at described account verification device
(CPU), microprocessor (MPU), digital signal processor (DSP) or field programmable gate array
(FPGA) realize.
Further, above-mentioned account verification device may also include that
Display module, the relevant information during showing account verification, it is connected with main control module.
Concrete, display module can be realized by LCD, OLED, Electronic Paper etc..
Further, above-mentioned account verification device may also include that
Key-press module, for receiving the input button operation of user, is connected with main control module.
Concrete, key-press module can be realized by mechanical key, it is also possible to is realized by touch virtual button.
In one embodiment, account verification device display module and key-press module simultaneously, it is achieved this device
Man-machine interaction.
Further, above-mentioned account verification device may also include that
Power module, for providing electric energy for other modules in account verification device, and carries out power management.
Concrete, power module can include battery, power supervisor, charging module etc..
The present invention also provides for a kind of account verification method, when external equipment sends account verification request, such as figure
Shown in 2, the method includes:
Step 201, detects whether to read the account-related information of account card;
Step 202, when not reading account card account-related information, reads from the memory module of self
Account verification relevant information, transmission is to external equipment;
Step 203, when reading account card account-related information, verifies account relevant information,
Transmit afterwards to external equipment.
The account verification device that Fig. 3 a and Fig. 3 b provides for embodiment of the present invention company under a kind of application scenarios
Connecing relation schematic diagram, under this application scenarios, user carries out shopping online by mobile phone, produces online payment
Demand, mobile phone connects to set up with described account verification device by bluetooth and is connected, sends account verification request.
Now, account verification device detects whether to read the account-related information of financial IC card;
Concrete, account verification device can detect ISO7816 passage or 13.56M passage, if can
Read the account-related information of financial IC card.
When not reading financial IC card account-related information, as shown in Figure 3 a, account verification device is from certainly
The memory module of body reads account verification relevant information, connects transmission to mobile phone by bluetooth;
When reading account card account-related information, as shown in Figure 3 b, the account verification device account to reading
Family relevant information is verified, connects transmission to mobile phone by bluetooth afterwards.
So, mobile phone can carry out account verification according to the information received at account verification device.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or meter
Calculation machine program product.Therefore, the present invention can use hardware embodiment, software implementation or combine software and
The form of the embodiment of hardware aspect.And, the present invention can use and wherein include calculating one or more
The computer-usable storage medium of machine usable program code (includes but not limited to disk memory and optical storage
Device etc.) form of the upper computer program implemented.
The present invention is with reference to method, equipment (system) and computer program according to embodiments of the present invention
Flow chart and/or block diagram describe.It should be understood that can be by computer program instructions flowchart and/or side
Flow process in each flow process in block diagram and/or square frame and flow chart and/or block diagram and/or the knot of square frame
Close.Can provide these computer program instructions to general purpose computer, special-purpose computer, Embedded Processor or
The processor of other programmable data processing device is to produce a machine so that by computer or other can
The instruction that the processor of programming data processing equipment performs produces for realizing in one flow process or multiple of flow chart
The device of the function specified in flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions may be alternatively stored in and can guide computer or other programmable data processing device
In the computer-readable memory worked in a specific way so that be stored in this computer-readable memory
Instruction produces the manufacture including command device, and this command device realizes at one flow process of flow chart or multiple stream
The function specified in journey and/or one square frame of block diagram or multiple square frame.
These computer program instructions also can be loaded in computer or other programmable data processing device, makes
Sequence of operations step must be performed to produce computer implemented place on computer or other programmable devices
Reason, thus the instruction performed on computer or other programmable devices provides for realizing flow chart one
The step of the function specified in flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
The above, only presently preferred embodiments of the present invention, it is not intended to limit the protection model of the present invention
Enclose.
Claims (10)
1. an account verification device, it is characterised in that described device includes: memory module, card reading module,
Communication module and main control module;Wherein,
Memory module, is used for storing account verification relevant information;
Card reading module, is used for reading account-related information;
Communication module, for carrying out information transmission with external equipment;
Main control module, for when not reading account card account-related information, reads from described memory module
Take account verification relevant information, transmitted to external equipment by described communication module;When reading account card account
During the relevant information of family, account relevant information is verified, afterwards by described communication module by described account
Family relevant information is transmitted to external equipment;
Described memory module, card reading module and communication module are all connected with main control module.
Account verification device the most according to claim 1, it is characterised in that described card reading module includes:
Contact card reading unit, for reading the account-related information in account card in a contact fashion.
Account verification device the most according to claim 1, it is characterised in that described card reading module includes:
Noncontact card reading unit, for reading the account-related information in account card in a non-contact manner.
Account verification device the most according to claim 1, it is characterised in that described communication module includes:
Wireless communication unit, for carrying out information transmission by wireless communication link and external equipment.
Account verification device the most according to claim 1, it is characterised in that described communication module includes:
Landline communication unit, for carrying out information transmission by wired communications links and external equipment.
Account verification device the most according to claim 1, it is characterised in that described main control module includes:
Finance key mode unit, for when described card reading module does not returns account-related information, from described
Memory module reads account verification relevant information, is transmitted to external equipment by described communication module;
Swipe the card mode unit, for when described card reading module returns account-related information, the account being correlated with
Information is verified, is transmitted described account-related information to external equipment by described communication module afterwards.
Account verification device the most according to claim 1, it is characterised in that described device also includes:
Display module, the relevant information during showing account verification, it is connected with main control module.
Account verification device the most according to claim 1, it is characterised in that described device also includes:
Key-press module, for receiving the input button operation of user, is connected with main control module.
Account verification device the most according to claim 1, it is characterised in that described device also includes:
Power module, for providing electric energy for other modules in account verification device, and carries out power management.
10. an account verification method, it is characterised in that when external equipment sends account verification request,
Described method includes:
Detect whether to read the account-related information of account card;
When not reading account card account-related information, from the memory module of self, read account verification phase
Pass information, transmission to described external equipment;
When reading account card account-related information, account relevant information is verified, transmits afterwards
To described external equipment.
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